Notice of Privacy Policy and Website Terms of Use of
JAMES M. MORRISON INSURANCE SERVICES, INC.
Privacy Policy
At James M. Morrison Insurance Services, Inc. we value our relationship with you and are aware of the importance of maintaining the privacy of your personal and financial data. We have always protected that information and will continue to do so as described herein. When we are required to share your information, we limit it to that which is necessary to provide you with the best insurance options. The following notice describes our policies and practices with regard to collecting and disclosing nonpublic personal information about our customers and former customers.
Confidentiality and Security of Your Nonpublic Personal Information
We maintain appropriate physical, electronic and procedural safeguards to maintain the confidentiality and security of your nonpublic personal information contained in our records. We restrict access to nonpublic personal information about you contained in our records to our employees who need to know that information to provide products or services to you.
Categories of Information That We Collect
We collect nonpublic personal information about you from the following sources:
- Information that we receive from you on applications and other forms;
- Information about your transactions with our affiliates, others or us
- Information that we receive from a consumer protection agency;
- Information that we receive when you visit us through the Internet.
PRIVACY NOTICE – NO SHARING
Categories of Parties to Whom We May Disclose Information
We may disclose nonpublic personal financial information about you to our affiliates. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted or required by law.
Accuracy of Your Nonpublic Personal Information That We Possess
We strive to maintain the accuracy of your information. In order to help us maintain accuracy, you have the right to reasonably access your information. If you believe any of your information in our possession is inaccurate you may request that we amend, correct or delete the information that you believe to be erroneous. If we concur with your conclusion, we will amend, correct or delete the information in question. You may write the agency at the address below to receive our complete policy on accessing and amending your nonpublic personal information contained in our records.
Personal Information We Collect
We collect personal data that you provide to us by using the website, submitting ‘Contact Us’ or Event Registration forms, signing up for our Email Newsletter, or otherwise interacting with us. Personal information is requested when you subscribe to email newsletters or complete an online form.
This website does not collect, retain, or display information regarding any person’s individual health, health history, or health records.
Use of Your Personal Information
We may use your personal information in the following ways:
- Information Requests: We send you information you request about Morrison Insurance Services.
- Event Registration: We may send you notifications of events that you express interest in.
- Marketing Communications: We may contact you about stories, news, updates, and promotions, usually via email newsletter. If you would no longer like to receive such emails, please follow the “Unsubscribe” instructions at the end of each email. Your email address will be removed from our email list. Please allow us a reasonable period of time in order to satisfy your request. To opt out of being contacted by any other communication methods, please contact us via the information at bottom of this page.
- Compliance and Safety: We may use your personal data to comply with our legal obligations and to identify and remediate suspected or actual fraudulent activity or security incidents.
Information Collected from Children
Morrison Insurance Services is compliant with all federal Children’s Online Privacy Protection Act (“COPPA”) requirements. Morrison Insurance Services website is a general audience site, and we do not sell products to children or collect the private information of children under the age of 13. Morrison Insurance Services does not sell your or any site visitors’ personal information.
Links to and Embeds from Other Websites
For your convenience, we may provide links to other websites that we do not control. We also may embed content from other sites, such as YouTube videos that are hosted at YouTube.com. We cannot be responsible for the privacy practices of any websites not under our control and we do not endorse any of these websites, the services or products described or offered on such sites or any of the content contained on those sites.
Use of Cookies
A cookie is a piece of information that a web server may place on your computer when you visit a website. Cookies are commonly used by websites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single website visit. Others may have an expiration date or may remain on your computer until you delete them.
We may use cookies for a number of purposes—for example, to maintain continuity during a user visit, to gather data about the usage of our website for research and other purposes, to store your preferences for certain kinds of information and marketing offers or to store a user name or encrypted identification number so that you do not have to provide this information every time you return to our website. To ensure we are publishing content web visitors need and want, we collect aggregated site-visitation statistics using Google Analytics cookies. When someone visits the site, a cookie is placed on the visitor’s machine (if the visitor accepts cookies) or is read if the visitor has visited the website previously.
Our cookies will track only your activity relating to your online activity on this website, and will not track your other Internet activity.
You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain of our Services or website features. For example, if you choose to not have your browser accept cookies from this website, you may need to re-enter your personal information each time that you attempt to fill out a form.
Certain pages on our website contain “web beacons” (also known as Internet tags, pixel tags and clear GIFs). These web beacons allow third parties to obtain information such as the IP address of the computer that downloaded the page on which the beacon appears, the URL of the page on which the beacon appears, the time the page containing the beacon was viewed, the type of browser used to view the page, and the information in cookies set by the third party.
California Consumers
The California Consumer Privacy Act (the “CCPA”) affords California consumers additional privacy protections, including the right to know what information we collect, disclose, and sell, as well as the right to request correction or deletion of your data.
For a description of the data we collect and the categories of sources of such information, please refer to the “Personal Information We Collect” above. We use this data for the purposes outlined in the “Use of Your Personal Information” section.
Morrison Insurance Services does not sell your personal information.
To make a consumer access request, request your data be deleted, or opt out of sale, please contact us via the information at bottom of this page. We will verify your identity prior to fulfilling your request. Authorized agents may be used to submit rights requests, in which case we will take steps to verify your identity and confirm that the agent has authority to act on your behalf.
Web Accessibility Policy
Morrison Insurance Services is committed to full website accessibility for all of our website visitors. It is our policy to ensure that everyone, including persons with disabilities, has full and equal access to our online content. To ensure accessibility we:
- Adopted a web accessibility policy.
- Implemented training on web accessibility for our web editors.
- Have installed and configured WordPress accessibility plugins that assist with allowing functional access to the site.
- Are in the midst of website development to meet WCAG 2.1 Level AA compliance that will meet the digital accessibility requirements imposed by Title III of the Americans with Disabilities Act (ADA).
- Are planning in future to conduct annual accessibility audits and continually review this website to ensure we adhere to best practices in web accessibility.
Do you need assistance accessing something on our website? Contact us by telephone: 760-438-9311 or via the information at bottom of this page.
For more information on web accessibility:
Website Terms of Use
By interacting with this misbenefits.com website, you automatically agree to be subject by these Terms of Use in their entirety, without modification. A “user” may also include your representatives, agents, contractors, affiliates, and employees.
Prohibited Uses
This Terms of Use prohibits website users from:
- Leasing, selling, copying, sublicensing, transferring, or assigning any information, intellectual property, goods, or services provided on this site
- Using this site for any illegal purpose
- Gaining unauthorized access to Morrison Insurance Services’ data or the data of other users
- Altering, modifying, adapting, reverse engineering, decompiling, disassembling, or hacking Morrison Insurance Services’ intellectual property
- Altering or modifying another website to falsely imply that it is associated with this website
- Using or exporting Morrison Insurance Services’ information, products, or services in violation of U.S. export laws and regulations
- Violating anyone else’s legal rights (for example, privacy rights) or any laws (for example, copyright laws) in the user’s jurisdiction
- Using this website or Morrison Insurance Services’ services to transmit content that could be deemed unlawful, threatening, harassing, racist, abusive, libelous, pornographic, vulgar, defamatory, obscene, indecent, or otherwise inappropriate, including any messages constituting or encouraging criminal conduct
- Breaching, or attempting to breach, this website’s security systems and
- Enabling third parties to violate the Terms of Use
Service Interruptions and Updates
Any website can suffer either scheduled interruptions (for maintenance and upgrades purposes) or unintended shutdowns (for whatever reason). This Terms of Use reminds you of these possibilities.
Term, Termination, and Survival
This Agreement shall be effective as of the date (the “Effective Date”) you accept the terms herein or first access, download or use any of the services or information (collectively, the “Services”) on this site and shall remain in effect for so long as you use or access any of the Services (the “Term”). Upon termination of the Term, you shall no longer be permitted to use or access the Services. The terms herein that contemplate obligations after the Term, including but not limited to Prohibited Uses, Service Interruptions and Updates, Term, Termination, and Survival, Subscriber Data and Legal Compliance, Indemnification and Limitation of Liability, shall survive termination.
Subscriber Data and Legal Compliance
All information this website submits or transmits fully complies with the law and Morrison Insurance Services will not be liable whatsoever for any user’s misuse of that data. Morrison Insurance Services has the right to revoke or restrict any user’s access to this website in the event that the user violates these Terms of Use or any applicable law.
Users are the exclusive owners of their own personal information. Morrison Insurance Services will not be held responsible for website users or other parties infringing upon any intellectual property rights of third parties.
Indemnification and Limitation of Liability
In the event that you violate any of the Terms of Use or applicable laws, then you will be responsible for indemnifying Morrison Insurance Services for any losses or damages Morrison Insurance Services incurs as a result.
Copyright
The content on this website is Copyrighted with All Rights Reserved.
Changes to these Policies and Terms of Use
Morrison Insurance Services may update these Privacy Policies and Website Terms of Use at any time and we will post any changes to this page. The most recent version of these Policies and Terms of Use is this version date:
Last updated June 1, 2022
How to reach us
Please contact us with any questions regarding these Privacy Policies and Website Terms of Use:
James M. Morrison Insurance Services, Inc.
6096 Innovation Way
Carlsbad, CA 9200
phone: (760) 438-9311
fax: (760) 438-9355
