Code of Ethics & Compliance

BASG is committed to conducting its business in adherence to all legal requirements established by the states and territories in which it provides services and products. BASG takes pride in maintaining the highest ethical standards and industry best practices. To this end, BASG places the best interests of its clients as paramount to any other concerns involved in the placement of insurance services and products. Specifically, BASG:

 

Terms & Conditions

Introduction

The following terms and conditions (“Terms and Conditions”) govern use of this website (www.BASG.com) and any BASG supported website and the content therein, including mobile applications (collectively the “BASG Websites”). USE OF BASG WEBSITES CONSTITUTES ACCEPTANCE OF THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY CEASE USE OF BASG WEBSITE.

 

The BASG Websites present information and content that is owned or licensed by BASG Insurance Services, Inc., its parents, subsidiaries, and affiliates (collectively, “BASG”). When used in these Terms and Conditions, “we” and “our” mean BASG and “you” and “your” refers to any individual or entity that accesses or otherwise uses the BASG Website.

 

Other Agreements

These Terms and Conditions apply only to use of the BASG Websites and do not modify any other agreement or contract that may exist between you and BASG (“Other Agreements”). In the event of any conflict between these Terms and Conditions and such Other Agreements, the Other Agreements govern and control.

 

DO NOT RELY ON THIS WEBSITE FOR YOUR FINANCIAL OR LEGAL DECISIONS

Content published on BASG Websites is for informational purposes only. Consult your financial and legal advisors, and independently verify all information whenever making any financial decision. Nothing on the BASG Websites should be construed as rendering tax, legal, investment, insurance, or accounting advice, nor should it be construed to bind coverage, unless otherwise expressly stated. Insureds should consult with their insurance advisors with regard to specific coverage issues.

 

SCOPE OF USE

Use of the BASG Websites to perform or participate in any illegal activity is prohibited.

 

You further agree that you are solely responsible for (and that BASG has no responsibility to you or to any third party for) any content that you create, transmit, or display while using the BASG Websites or services. You likewise agree that you are responsible for the consequences of your actions (including any loss that BASG may suffer).

 

PROHIBITED EMAILS; POSTS ON BASG-SUPPORTED FORMS OR BLOGS, ETC.

BASG’s email system is a private email system. Numerous or bulk unsolicited commercial email messages are prohibited. Emails intended to, or appearing to be intended to, harass, embarrass, threaten, defame, or impersonate any person or containing pornographic, offensive, indecent, or discriminatory matter is prohibited.  

 

You agree not to access (or attempt to access) any of the BASG Websites or services by any means other than through the interface that is provided by BASG, unless you have been specifically allowed to do so in a separate written agreement with BASG. You specifically agree not to access (or attempt to access) any of the BASG Websites or services through any automated means (including the use of scripts or web crawlers).

 

SECURE AREAS; PASSWORDS

Portions of BASG Websites are restricted and require authorization for access. Unauthorized use of or access to such areas is prohibited. If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE.  

 

BASG is entitled to act on instructions received under your password. Change your password immediately if you know or suspect that it has been compromised. If you suspect any unauthorized activity related to your account, you should contact BASG immediately. BASG will not be liable for any unauthorized access to your personal information that is (i) not the direct result of BASG’s intentional or negligent conduct, or (ii) the result of your failure to properly secure your password, or (iii) the result of your sharing your password with anyone else. BASG may block access to secure areas without prior notice if BASG believes that your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred, or may occur, or for other reasons.

 

OWNERSHIP AND USE OF CONTENT

Except as may be otherwise provided by applicable law or written agreement with BASG, all information and content on the BASG Websites, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files, photos, trademarks, service marks and trade dress is owned or licensed by BASG. The content is protected worldwide by applicable intellectual property laws. Unless you have agreed otherwise in writing with BASG, nothing in these Terms and Conditions gives you a right to use any of BASG’s trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You may, however, make and use printouts of the content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark, and other proprietary notices. BASG reserves the right to terminate, at any time, your right to make personal copies of content. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell, or display any of the content for any public or commercial purpose except with the prior written consent of BASG or the owners of the materials, which they may issue in their sole discretion. In addition, you may not use the content in any other website or in a network computer environment, including framing the content within another website. Except for the limited use rights expressly provided in this paragraph, all rights in content are reserved.

 

If you have been given an explicit right to use any of these brand features in a separate written agreement with BASG, then you agree that your use of such features shall be in compliance with that agreement, any applicable provisions of these Terms and Conditions, and any other applicable BASG policies that it may publish from time to time.

 

LICENSE

BASG gives you a personal, worldwide, royalty-free, non-assignable, and non-exclusive license to use the BASG Websites, and software or services provided thereby. This license is for the sole purpose of enabling you to use and enjoy the benefit of the BASG Websites, software, or services, in the manner permitted by these Terms and Conditions.

 

You may not (and you may not permit anyone else) to copy, modify, create a derivative work of, reverse engineer, decompile, or otherwise attempt to extract the source code of any software or program, unless expressly permitted or required by applicable law, or unless BASG specifically authorizes such activity in writing.

 

SUBMISSIONS MADE TO BASG

You may be required to provide information about yourself (such as identification or contact details) as part of the registration process for access to certain portions of the BASG Websites and the services provided. You agree that any registration information you give to BASG will always be accurate, correct, and up-to-date.  

 

By providing information or materials to the BASG Websites (other than personal information subject to BASG’s Privacy Statement, http://www.BASGinsurance.com/Privacy.aspx), you grant to BASG an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such information and materials for any purpose, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. In addition, BASG is free to use any ideas, concepts, know-how, or techniques that you may submit to BASG through the BASG Websites for any purpose, including, but not limited to, improving our services. BASG shall not be subject to any obligations of confidentiality regarding the information or materials that you submit except as specified in BASG’s Privacy Statement, as set forth in Other Agreements, or as otherwise required by law. Although BASG will make reasonable efforts to protect and secure the personal information it receives, you should remember that email submissions over the internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before emailing or electronically submitting any personal or confidential information. BASG recommends that you encrypt personal or confidential information before submitting it over the internet.

 

You further acknowledge and agree that while BASG may not currently have set a fixed upper limit on the number of transmissions you may send or receive through the BASG Websites (or services provided thereby) or on the amount of storage space used for the provision of any service, BASG reserves the right to fix upper limits at any time and in its sole discretion.

 

JURISDICTIONAL STATEMENT; UNITED STATES ONLY

The services and products described and information provided through the BASG Websites are directed to and are intended to be made available only to persons in the United States and are not intended for distribution to, or use by, any person in any other country or any jurisdiction where such distribution or use would be contrary to law or regulation or that would subject BASG to any registration requirement within such jurisdiction or country. Software and other materials from the BASG Websites may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported to any country or anyone prohibited by law. BASG prohibits your downloading or exporting of software or other material from the BASG Websites in violation of U.S. Export Laws and/or the laws of your resident country. By downloading software or other material from the BASG Websites, you represent and warrant that you are able to do so in full compliance with all applicable laws.

 

WARRANTY DISCLAIMER

We strive to provide accurate and up-to-date material on the BASG Websites. BASG and its licensors make no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors or inaccuracies. YOUR USE OF THE BASG WEBSITES AND CONTENT IS AT YOUR OWN RISK. BASG assumes no responsibility to keep content current or to correct inaccuracies or errors in content. The content published on the BASG Websites and the operation of these sites are provided “as is” and for informational purposes only, and BASG disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Some jurisdictions may not permit certain disclaimers of warranties. In such case, BASG disclaims warranties to the fullest extent permitted by the applicable law.

 

YOUR RESPONSIBILITY FOR SECURITY

BASG does not warrant that the BASG Websites will operate error-free or are free from viruses, worms, Trojan horses, or other destructive or harmful code. BASG assumes no liability or responsibility for any damages to you, your computer, or other property due to your access to, use of, or downloading of content from the BASG Websites. If you download or copy content from the BASG Websites, you are responsible for taking all reasonable precautions necessary to ensure the security and integrity of your computer and systems, including employing current virus protection software.

 

LINKS

Links from the BASG Websites to a non-BASG site may be provided for users’ convenience only. BASG does not control or review these sites nor does the provision of any link imply an endorsement or association of such non-BASG sites. BASG is not responsible for and makes no representation or warranty regarding the contents, completeness or accuracy, or security of any materials on such sites. If you decide to access such non-BASG sites, you do so at your own risk.

 

LIMITATION OF LIABILITY

In no event shall BASG or any other party involved in creating, producing, or delivering the BASG Websites or content on BASG’s behalf be liable for any direct, incidental, special, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, or inability to access or use, the BASG Websites, or any content, or the performance of any product thereon, even if BASG is expressly advised of the possibility of such damages.

 

CHANGES

BASG reserves the right to change the content on the BASG Websites and services provided, including these Terms and Conditions, from time to time without prior notice. The changes may include superseding terms and conditions, specific notices, or the discontinuation or disabling of any service, program, website, or mobile application. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS PERIODICALLY TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continued use of the BASG Websites constitutes your acceptance of any change or update, all of which shall become controlling when posted.

 

GOVERNING LAW

These Terms and Conditions shall be governed by, and construed in accordance with, the laws of the United States and the State of California, without giving effect to conflict of law principles thereof.

 

RESERVATION OF RIGHTS

BASG reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including the right to block access from a particular internet address. BASG does not intend to market any products or services to children and does not knowingly collect personal information from them. By using the BASG Websites, you represent that you are at least 18 years old. If you are under 18 years old, do not use the BASG Websites.

 

SEVERABILITY

If any provision of these Terms and Conditions is held invalid, void, or unenforceable, then that provision will be considered severable and the remaining provisions shall remain in full force and effect.​

 

 

Privacy Policies

At BASG Insurance Services, Inc. (“BASG”), one of our top priorities is making sure that the information we have about you is protected and secure. We value our relationship with you and work hard to preserve your privacy and ensure that your preferences are honored.

 

BASG Privacy Policy

1. Our Pledge to You

At BASG Insurance Services, Inc. (“BASG”), one of our top priorities is making sure that the information we have about you is protected and secure. We value our relationship with you and work hard to preserve your privacy and ensure that your preferences are honored. At the same time, the very nature of our relationship may result in BASG’s collecting or sharing certain types of information about you in order to provide the products and services you expect from us.

 

This Privacy Policy describes the information collected on our websites (including, but not limited to, www.BASG.com) (the “Site”) and how it is used and protected. This Privacy Policy applies only to the Sites.

 

By using the Sites or by providing your information to us, you consent to the collection, use, and disclosure of your information in accordance with this Privacy Policy, the Terms and Conditions, BASG’s Privacy Notices (to the extent applicable), and any written agreement(s) executed and in effect in connection with any of our products or services.

 

2. What Information is Collected by BASG or its Service Providers and When

The information we receive and how we use it depends on what you do when visiting the Sites. The Sites and related services may require registration for access. As part of registration and related services, we ask you to provide us certain information about you. You may provide us and our service providers personal information using the Sites in a number of ways, for example by entering that information into data fields on the Site (e.g., by creating an account) or in communications with us using the contact information at the end of this Privacy Policy or in the Terms and Conditions or Privacy Notices. Personal information includes data that specifically identifies you, such as your name, email address, mailing address, telephone number, and financial information. Public information is that information that you make publicly available through your account or by posting or otherwise communicating via the Site.

 

We may receive personal information from other sources. For example, if you connect your social media account(s) to your account, the social media site may share information with us about your use of their services, including information about your profile, contacts, and viewed or liked content. We encourage you to read the applicable privacy policies for your social media accounts. We shall have no responsibility for the data collection and use practices of those social media site.

 

If you use the Site to make a payment, we collect information about the transaction. This includes the date of the transaction, payment information, such as your credit or debit card number and other card information, and other account and authentication information, as well as billing and contact details.

 

BASG and its service providers also collect certain non-personal information, data that does not identify you as an individual person. This information tells us about how people use the Sites so that we can analyze their effectiveness and provide you with a better web experience. We collect and use this information through a variety of technologies, including “cookies” and analysis applications, as discussed below.

 

3. Use of Information

BASG and its service providers may use your personal information to provide our products and services and to contact you in response to inquiries you submit. BASG and its service providers may retain and use your information for the following purposes:

 

4. When Your Information is Disclosed

BASG may disclose aggregated information about our customers without restriction. This data cannot be attributed to any specific individual. We may disclose aggregated customer data to our affiliates and to other third parties for lawful purposes.

 

BASG and its service providers may transfer information between them for business purposes. For example, BASG’s service providers may handle technical support, payment processing, marketing and surveys, or information analysis. We furnish our service providers the information they need to perform these and other services, and we work with our service providers to respect and protect your information. We may also provide your information to our affiliates. The entities with which we share information may be located in the United States or other countrie

 

In the event that BASG or some of our assets are sold or transferred or used as security, or to the extent we engage in business negotiations with our business partners, the information collected on the Sites may be transferred or shared with third parties as part of that transaction or negotiation. We may also provide information or provide access to information to any of our affiliated businesses or to our business partners.

 

On rare occasions, we may disclose specific information without your consent and without notice to you as required to comply with laws and regulations, or to comply with court orders, subpoenas, or lawful discovery requests. Information collected from you may also be used to investigate security breaches or otherwise cooperate with authorities. We may also share information with companies assisting in fraud protection or investigation.

 

We may disclose information about you without your consent and without notice to you as required to enforce or apply the Terms and Conditions or other agreements, including for billing and collection purposes.

 

5. How Your Information is Protected

We take reasonable steps to protect the privacy of your data by restricting access to our personnel on a need-to-know basis in connection with our providing services to you and by safeguarding it from unauthorized individuals by limiting access to our databases. Although access to your information is restricted by reasonable physical, technical, and organizational safeguards, it should be understood that we cannot guarantee complete security or accuracy of customer information. We ask that you assist our security efforts by maintaining the privacy of all computer passwords that you use to connect with BASG and to encrypt confidential information transmitted to us over the internet. Please also advise us immediately at the address listed below of any incident involving the loss of or unauthorized access to or disclosure of personal information that is in our custody or control.

 

6. Communications

You may receive electronic communications from BASG when you provide your email address. If you do not wish to continue receiving email communications you can opt-out by following the unsubscribe instructions provided in such communications.

 

7. Third Party Sites

The Sites may contain links to other websites. Please note that when you click on one of these links, you will leave the Sites and will be subject to the policies and privacy practices of the other site, which may differ significantly. You should review the policies of other sites you visit. The Company is not responsible for the content, technology, security, or practices of linked sites operated by others, or for your use of linked sites.

 

8. GLBA Privacy Notice

For U.S. customers, we will use and share any information that we collect from or about you in accordance with our Gramm-Leach-Bliley Privacy Notice.

 

9. EU Privacy Notice

For information about how BASG collects and uses EU personal information, please review our EU Privacy Notice.

 

10. Children’s Privacy

The Sites are not aimed at or intended for children. We do not knowingly collect information from children under the age of thirteen through the Sites. If we obtain actual knowledge that we have inadvertently collected personal information from a child under the age of thirteen, we will delete that information from our records. If you believe we might have any information from a child under the age of thirteen, please contact us here.

 

11. Applicable Law

We recognize that the Sites may be accessed from anywhere in the world, and that the laws of the jurisdictions in which some users are located may differ substantially from those of the United States and the State of California. Because we cannot practicably prevent users in different jurisdictions from accessing the Sites, you are responsible for knowing and complying with the laws of your jurisdiction. If such laws conflict with your use of the Sites or any of their content or functionality, the Sites are not intended for you, and we ask you not to use them or submit any information through them.

 

12. California Privacy Rights

California Civil Code Section 1798.83 permits California residents who are users of the Sites to request from us once a year, free of charge, information about the personal information the Company disclosed to third parties for direct marketing purposes in the preceding calendar year (if any). If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which the Company shared information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us at the address provided below.

 

“Do Not Track” is a privacy setting that you may set in your web browsers. If turned on, this setting requests that websites not track information about users. At this time, we do not respond to “Do Not Track” browser settings or signals California residents who are users of the Sites may have additional rights, including the following:

 

Please note that these rights may be subject to certain limitations. However, we will not discriminate against you for exercising any of these rights. If you are a California resident and would like to make such a request, please submit your request in writing to us at the address provided below.

 

13. Review, Modify, or Delete Your Information

To the extent you have established an account with our system, you can review and change your personal information by logging into the Sites and visiting your account. You may also send us an email to correct or delete any personal information that you have provided to us. If you request that your account information be deleted or if you unsubscribe from communications, we may maintain information about your transactions or inquiries for future service and recordkeeping purposes. In some circumstances, a change in or withdrawal of consent may severely limit our ability to provide you information, products, or services. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

 

14. Updates to this Privacy Policy

BASG may update this Privacy Policy and the Sites to reflect material changes in how we collect, use, share, or store your information, to satisfy legal requirements, or for other business purposes. You should review this Privacy Policy when you visit the Sites to understand our current practices. The date at the top of the page shows when this Privacy Policy was last updated.

 

We encourage you to refer to this Privacy Policy on an ongoing basis so that you understand our current practices. You consent to any changes we make to this Privacy Policy if you continue to use the Site after receiving a notice of the change or upon our posting of the new Privacy Policy on the Site.

 

15. Interpretation of this Privacy Policy

Any interpretation associated with this Privacy Policy will be made by BASG’s legal counsel. This Privacy Policy includes examples but is not intended to be restricted in its application to such examples, therefore where the word 'including' is used, it means “including without limitation.”

 

This Privacy Policy does not create or confer upon any individual any rights, or impose upon BASG any rights or obligations outside of, or in addition to, any rights or obligations imposed by applicable country, state, and other privacy laws, as applicable. Should there be, in a specific case, any inconsistency between this Privacy Policy and applicable privacy laws, this Privacy Policy shall be interpreted in that case to give effect to, and comply with, such privacy laws.

 

16. Contact Us

If you have questions or comments about this Privacy Policy or the Sites, please contact us using the information below.

 

BASG Privacy Policy for California Residents

 

This Privacy Policy for California Residents supplements the information contained in BASG Insurance Services, Inc.’s (“BASG”) Privacy Policy​ and applies solely to all website visitors, users and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and any terms defined in the CCPA have the same meaning when used in this policy.

 

1. Information We Collect 

​​BASG collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, BASG has collected the following categories of personal information from its consumers and employees within the last twelve (12) months:

 

Category​​	​	Examples​
A. Identifiers. ​​​	​	​A real nam​e, alias, postal address, unique personal identi​fier, online identifier, Internet Protocol address, email address, account na​me, Social Security numb​er, driver's license number, passport number, or other similar identifiers.
​B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	​	​A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.
​C. Protected classification characteristics under California or federal law.	​	​Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
​D. Commercial information.	​	​Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
​E. Biometric information.	​	​Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.
​F. Internet or other similar network activity.	​	​Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.
​I. Professional or employment-related information.	​	​Current or past job history or performance evaluations.
​K. Inferences drawn from other personal information.	​	​Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

 

Personal information does not include information that is publicly available from government records, de-identified or aggregated consumer information, and information excluded from the scope of CCPA such as health information covered by the Health Insurance Portability and Accountability Act of 1996, and its implementing regulations (collectively, “HIPAA”) and the California Confidentiality of Medical Information Act (“CMIA”) or clinical trial data, nor does it include personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach Bliley Act (“GLBA”), the California Information Privacy Act (“FIPA”) and the Driver’s Privacy Protection Act of 1994.

 

BASG obtains the above categories of personal information from the following sources:

 

2. Use of Personal Information

BASG may use or disclose the personal information it collects for one or more of the following business purposes:

 

BASG will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

 

3. Sharing Personal Information

BASG may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we take reasonable steps to ensure that the third party who receives the information protects it. As needed, and when required by law, when we disclose personal information for a business purpose, we will enter into a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

 

We may share your personal information for a business purpose with the following categories of third parties:

 

Disclosures of Personal Information for a Business Purpose

In the preceding twelve (12) months, BASG has disclosed the following categories of personal information for a business purpose:

 

Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category C: Protected classification characteristics under California or federal law.
Category D: Commercial information.
Category F: Internet or other similar network activity.
Category I: Professional or employment-related information.
Category K: Inferences drawn from other personal information.

 

No Sale of Personal Information

In the preceding twelve (12) months, BASG has not sold any personal information.

 

4. Your Rights and Choices

The CCPA provides California residents with specific rights regarding their personal information. This section describes your CCPA rights and explains how you can exercise them.

 

Access to Specific Information and Data Portability Rights

You have the right to request that BASG disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability and Deletion Rights), we will disclose to you:

 

Deletion Request Rights

You have the right to request that BASG delete any of your personal information that we have collected from you, subject to certain exceptions. Upon receiving and confirming your request (see Exercising Access, Data Portability and Deletion Rights), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

 

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

 

 

Exercising Access, Data Portability and Deletion Rights

To exercise the access, data portability and deletion rights described above, please submit a verifiable consumer request to us by:

 

Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

 

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

 

For instructions on exercising sale opt-out rights, see Personal Information Sales Opt-Out and Opt-In Rights.

 

Response Timing and Format

We endeavor to respond to a verifiable consumer request within forty-five (45) days of receipt. If we require more time, we will inform you of the reason and extension period in writing.

 

We will deliver our written response by mail or electronically at your option. Any disclosures we provide will only cover the twelve (12) month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

 

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

 

5. Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

 

6. Other California Privacy Rights

California’s “Shine the Light” law (Civil Code Section 1798.83) permits users of our Website that our California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email.

7. Changes to our Privacy Notice

BASG reserves the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice’s effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

 

8. Contact Information

If you have any questions or comments about this notice, the ways in which BASG collects and uses your information, your choices and rights regarding such use, or you wish to exercise your rights under California law, please contact us at:

 

Posting Date: 1/16/20
Effective Date: 1/1/20

 

BASG EU Privacy Notice

 

1. Our Pledge to You

At BASG Insurance Services, Inc. (“BASG”), one of our top priorities is making sure that the information we have about you is protected and secure. We value our relationship with you and work hard to preserve your privacy and ensure that your preferences are honored. At the same time, the very nature of our relationship may result in BASG’s collecting or sharing certain types of information about you in order to provide the products and services you expect from us.

This EU Privacy Notice (“Notice”) is for persons located in the European Union (“EU”), and it supplements BASG’s Privacy Policy​​. This Notice describes how BASG uses your personal information in accordance with the EU General Data Protection Regulation (“GDPR”).

 

2. Scope

This Notice applies to individuals whose personal information is collected by or provided to BASG while the individual is located in the EU. This Notice applies to such personal information whether it was provided to BASG on our websites (including, but not limited to, www.BASG.com), or through any process whereby personal information is collected by, or on behalf of, BASG.

 

3. Sensitive Personal Information

At times, BASG and its service providers may need to request your sensitive personal information (e.g., information relating to health, genetics, or biometrics). Unless BASG has another legal basis for collecting and processing your sensitive information, BASG will request your affirmative consent before collecting and processing this information.

 

4. Use of Information

BASG and its service providers may use your information to manage our contractual relationship with you, because we have a legitimate interest to do so, and/or to comply with a legal obligation. These purposes are identified in our Privacy Polic​y​​.

On other occasions where we ask you for consent, we will use the information for the purposes which we explain at that time. You have the right to withdraw you

 

5. Data Retention

We retain personal information for as long as necessary to provide services to you and fulfill the transactions you have requested, or for other necessary purposes such as complying with our legal obligations and enforcing our agreements. Retention periods vary depending on the type of information and how it is used. The criteria we use to determine the appropriate retention periods include:

 

When we no longer need to use or retain your personal information, we will remove it from our systems or depersonalize it so that it cannot be used to identify you.

 

6. Rights to Access and Control Your Personal Information

You have choices about the collection, use, and sharing of your personal information, including:

 

For your protection, we may need to verify your identity before fulfilling your request. Please note that we may need to retain certain information for recordkeeping purposes or to complete transactions that occurred prior your request. We will also retain your personal information if reasonably necessary to comply with our legal obligations, meet regulatory requirements, resolve disputes, maintain security, prevent fraud and abuse, or enforce the Terms and Conditions​.

 

To learn more about how to make these requests, please contact us here.

 

7. File a Complaint

You may submit a complaint to an EU supervisory authority if you believe that BASG’s processing of your personal information violates the GDPR. For more information about submitting a complaint, consult the relevant supervisory authority.

 

8. Cross-Border Transfers

We may transfer your personal information to other countries in compliance with applicable laws. In certain circumstances, courts, law enforcement agencies, regulatory agencies or security authorities in those countries may have access to your personal information.

 

9. Updates to this Notice

BASG may update this Notice to reflect material changes in how we collect, use, share, or store your information, to satisfy legal requirements, or for other business purposes.  We encourage you to refer to this Notice on an ongoing basis so that you understand our current practices. The date at the top of the page shows when this Notice was last updated.

 

10. Interpretation of this Notice

Any interpretation associated with this Notice will be made by BASG’s legal counsel. This Notice includes examples but is not intended to be restricted in its application to such examples, therefore where the word ‘including’ is used, it means “including without limitation.”

This Notice does not create or confer upon any individual any rights, or impose upon BASG any rights or obligations outside of, or in addition to, any rights or obligations imposed by applicable country, state, and other privacy laws, as applicable. Should there be, in a specific case, any inconsistency between this Notice and applicable privacy laws, this Notice shall be interpreted in that case to give effect to, and comply with, such privacy laws.

 

11. Contact Us

If you have questions or comments about this Notice, please contact us using the information below.

 

Gramm-Leach Bliley (GLBA) Policy

 

1. Our Pledge to​ You

At Benefit Advisors Services Group, LLC (“BASG”) (“BASG”), one of our top priorities is making sure that the information we have about you is protected and secure. We value our relationship with you and work hard to preserve your privacy and ensure that your preferences are honored. At the same time, the very nature of our relationship may result in BASG’s collecting or sharing certain types of non-public personal information (“NPI”) about you in order to provide the products and services that you expect from us. Please read this Privacy Notice (“Notice”) carefully to understand how we collect, share, and protect our customers’ NPI.

 

2. Information We​ Collect

To provide you with insurance products and services, BASG may collect or obtain NPI actively (i.e., through an interaction with you, an affiliate, or a non-affiliated third party) or passively (i.e., automatically from your computer). The types of NPI we collect depend on the product or service you expect from us and may include:

 

 

3. How We Share Info​rmation

We may share some of the NPI we obtain about you as needed to provide the products and services you request.

 

​Our sharing of NPI is primarily limited to companies related to BASG by common ownership or control (“Affiliates”). However, we may also share your NPI with certain non-affiliated third parties that perform business or professional services on our or your behalf. Such non-affiliated third parties, which BASG does not directly or indirectly control or own, may include:

 

We may also disclose NPI in connection with a proposed or final sale or merger of insurance business or for study purposes, but such disclosure, if any, is made confidentially and the recipient is bound by nondisclosure and use restrictions. We do not share your NPI with non-affiliated third parties for their own marketing purposes.

 

In addition, the law permits us to share information about our current and former customers with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information in response to subpoenas or to comply with certain laws.

 

When other companies help us to conduct business, we expect them to follow applicable privacy laws. We do not authorize them to use or share NPI except when necessary to conduct the work they are performing for us or to meet regulatory or other governmental requirements.

 

If you are a new customer, please note that we can begin sharing your NPI 45 days from the date we sent this notice. When you are no longer our customer, we may continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

 

4. How We Protect Non-Public Personal Inf​ormation

We take reasonable steps to protect the privacy of your NPI by restricting access by our personnel on a need-to-know basis in connection with our providing services to you and by safeguarding it from unauthorized individuals by limiting access to our databases. We give access only to employees who need to know the NPI to provide insurance products or services to you. Although BASG uses administrative, electronic, mechanical, and physical safeguards to protect the confidentiality and security of your NPI, it should be understood that we cannot guarantee complete security or accuracy of all customer information. We ask that you assist our security efforts by maintaining the privacy of all computer passwords that you use to connect with BASG and to encrypt confidential information transmitted to us over the internet.

 

5. Applicability of Practic​es

Our practices described above regarding NPI apply to our former, current, and future customers

 

6. Retention Period for​ NPI

We maintain NPI about you for as long as we provide products or services to you. We may maintain your NPI for a longer period if necessary for related business activities or as required by law. For our former customers, your NPI is subject to the same security protections, as well as the same use and disclosure restrictions, as is our current customers’ NPI. When NPI is no longer necessary for our business purposes or compliance with applicable law, we will return or destroy the information.

 

7. Access to Informa​tion

You may request access to certain NPI we collect to provide you with insurance products and services. You must make your request in writing and send it to the address provided in Section 11. The letter should include your full name, address, telephone number, and policy number (if applicable). If we validate your request, we will send you a copy of your NPI to the address provided.

Please note that if the NPI includes health information, we may require additional information from you. We may also need to coordinate your access through the provider of the information in accordance with the Health Insurance Portability and Accountability Act of 1996, and its implementing regulations (“HIPAA”) and any business associate agreement with the provider of the information. We may charge a reasonable fee to cover our copying costs.

Please note this section only applies to NPI BASG collects or obtains to provide you with insurance products or services.

 

8. Correction of Informat​ion

If you believe the NPI we have about you is incorrect, please write to us at the address provided in Section 11. Please include in your letter your full name, address, telephone number, policy number (if applicable), the NPI you request that we correct, and an explanation of why you believe your NPI is inaccurate. If we agree with you and are not legally prohibited from making the requested change, we will make the requested corrections to your NPI and notify you of the correction.

If we disagree with you or are not in position to make the requested change, such as because we received the NPI from a medical provider and do not maintain the NPI you requested us to correct, we will tell you why we are not going to make the requested correction. We will also tell you that you may submit a statement to us describing why you believe the NPI is correct. It should also include the reason(s) why you disagree with our decision not to correct the NPI in our files. We will file your statement with the disputed NPI.

 

9. Right to Opt O​​​ut

You have the right under the law to limit:

 

If you would like to change or limit the way we share your NPI with our Affiliates or non-Affiliates, please contact us. See Section 11 for our contact information. California residents have additional rights. If you are a California resident, please see Important Privacy Choices for Consumers​. Please note that it may take at least four (4) weeks to process your request.

 

10. Changes to this Priva​cy Notice

BASG reserves the right to change this Notice at any time. We will provide our customers with the updated Notice when we make substantive revisions. If we make a significant change, we will also note on the main page of our website that we have updated this Notice. In most cases, we will attempt to post notification thirty (30) days before the effective date of the change.

 

11. Our Commitment to Privacy and Contact Info​rmation

For additional information about BASG’s commitment to privacy, please visit the BASG Privacy Policies​ page.

You may contact us with any questions or to exercise your rights by calling us toll-free at (800) 821-9282 or by writing to:

 

This Notice is effective as of August 28, 2019.​​​