Privacy Policy

Updated June 2023

 

CRC Group is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Online Privacy Practices applies to the CRC Group site and governs data collection and usage. By using the CRC Group site, you consent to the data practices described in this statement.

1.    What does this Policy Cover?

This CRC Group Statement of Online Privacy Practices (“Privacy Policy”) describes how we collect information when you visit or use CRC Group’s websites,  and other online services (“Online Services”) that link to this Privacy Policy. It also describes how we use and share such information and explains your privacy rights and choices.

Our Online Services are intended for a U.S. audience. The terms “CRC,” “we,” “us,” or “our” mean CRC Group Wholesale & Specialty and its U.S. affiliates. “You” means an individual who visits our Online Services and does not refer to a business or other entity or to individuals outside the U. S.

CRC Group’s business address is CRC Insurance Services, LLC, 1 Metroplex Drive, Ste. 400, Birmingham, AL, USA. Our email is salessupportteam@crcgroup.com, Customer Service may be reached at 888-219-0464.

2.    What isn’t covered by this policy?

This Privacy Policy does not apply to the websites or services of CRC Group’s businesses and affiliates that do not directly link to this policy. Some CRC Group businesses and affiliates have their own privacy policies, which can be found on their websites. It also does not apply to non- CRC Group companies, such as third-party websites to which we link online. Please review the privacy policies of other websites and services you visit to understand their privacy practices.

3.    Other important notices

Our CCPA Notice At Collection related to the California Consumer Privacy Act applies to certain information we collect about California residents.

4.    What information does CRC Group collect?

When you visit a CRC Group website, application, or otherwise interact with us online, we may collect the following information:

  • Your browser type (such as Google Chrome, Microsoft Edge, Apple Safari, Mozilla Firefox)
  • Your Internet Protocol or “IP” address (Your IP address is a number that is automatically assigned to your device by your Internet Service Provider. An IP address is identified and logged automatically whenever you visit a site, along with the time of the visit and the page(s) that were visited)
  • The presence of any software and hardware on your device that may be necessary to view our site
  • Configuration information about the device you are using, including, but not limited to, your device type, web browser type and version, operating system type and version, display/screen settings, and language preferences, domain names, access times and referring website addresses.
  • Personal information submitted on applications, forms, and onsite electronic messaging. Types of personal information typically include:
      • Name
      • Address
      • Email
      • Telephone number
  • Website analytics information to determine what CRC Group services are the most popular. This data is used to deliver customized content and advertising within CRC Group to customers whose behavior indicates that they are interested in a particular subject area.

5. How does CRC Group use the information collected?

The information we collect online helps CRC Group to:

  • Effectively manage your account:
    • Ensure your identity and protect the security of your personal and account information from unauthorized access
    • Operate the CRC Group website and deliver the services you have requested
    • Respond to product applications and questions
  • Fulfill regulatory requirements
  • Analyze our site usage and enhance the user's experience:
    • Diagnose server problems
    • Alert users of any possible software compatibility issues
    • Help us make decisions about how various technologies are used and identify usage trends
  • Send marketing communications:
    • Inform you of other products or services available from CRC Group and its affiliates
    • Contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered
  • Prevent and detect fraud
  • Protect against risks to security:
    • Monitor network activity logs
    • Detect security incidents and conduct data security investigations
    • Protect against malicious, deceptive, fraudulent, or illegal activity

We only use personal information that we have about you when we have a legal basis to use such personal information under applicable data protection laws. CRC Group does not sell, rent or lease its customer lists to third parties.  

6.    How does CRC Group share the information it collects?

CRC Group shares your information in different ways as permitted and required by law. For example, we may share your information with:

  • Affiliates and other entities of the CRC Group
  • Businesses with which we partner to offer products and services for our clients or prospective customers
  • Service providers that provide various services to us, such as those we use to help detect and prevent fraud
  • Government entities and other third parties as needed for legal or similar purposes, such as:
    • To respond to requests from our regulators
    • To respond to a warrant, subpoena, governmental audit or investigation, law enforcement request, legal order, or other legal process
    • To facilitate a merger, acquisition, sale, bankruptcy, or other disposition of some or all of our assets
    • To exercise or defend legal claims

Please note, we may also share aggregated and de-identified data, such as aggregated statistics regarding product usage, with third parties.

We reserve the right to transfer personal information we have about you in the event we sell or transfer all or a portion of our business or assets (including, without limitation, in the event of a reorganization, dissolution, or liquidation).

7.    What if I am visiting the CRC Group website from outside the United States?

If you are visiting the CRC Group website, please be aware that your personal information may be transferred to, or stored and processed in, the United States. We will rely on legally provided mechanisms (for example, derogations such as performance of a contract) to lawfully transfer personal data across borders. 

8.    How long does CRC Group retain records?

We store your personal information as long as it is required to meet our contractual and legal obligations, or if we have a legitimate business need to do so.

9.    What technologies does CRC Group use?

CRC Group and its online advertising and marketing partners may employ various technologies to collect information, including:

  • Cookies - Cookies are pieces of information stored directly on your device. Cookies provide information that is used for security purposes, to facilitate navigation, to display information more effectively, and to personalize/customize your online experience. The cookies CRC Group uses do not collect or store any personally identifiable information about you. CRC Group uses persistent cookies to learn how visitors use our site, such as which pages are viewed the most, to identify the most common navigation paths, or to customize the presentation of information on the site. CRC Group also uses session cookies to learn how visitors use our site or for login access and authentication purposes. Session cookies are no longer active after you log off the service that initiated them, and all session cookies are automatically deleted when you close all browser windows. CRC Group may also partner with third parties, including, but not limited to, Google (see Advertising, below), to track user activity on our website. You can choose to block or disable these cookies as most devices and browsers offer their own privacy settings. Doing so, however, may result in diminished performance on our site.
  • Marketing pixels, web beacons, clear GIFs, or other technologies -  This technology may be placed on certain pages of our website, applications, emails, and other marketing initiatives. These tags usually work in conjunction with cookies and allow us to measure the effectiveness of our site and compile statistics about usage and response rates.
  • Advertising: CRC Group uses certain Google Analytics services and products, which helps companies facilitate the delivery of relevant content. The use of Google Analytics shares certain limited information with Google. Visit the Google Analytics website for more information on opting-out of certain services or limiting Google Analytics tracking. Google Analytics Opt-out Browser Add-on Download Page
  • Firewalls, passcodes, data encryption, and other safety features -  CRC Group uses these technologies to ensure that the information you provide us remains secure. 
  • Third-party plugins -  Other companies may have plugins that appear on certain pages of our website or applications. Some of these, for example, may be from social media companies (for example, Linked In). These plugins may collect information, such as information about the pages you visit, and share it with the company that created the plugin even if you do not click on the plugin. These third-party plugins and the way they operate are governed by the privacy policies and terms of the companies that created them.

10.  How does CRC Group interact with me online?

Online advertising on CRC Group websites and applications

CRC Group advertises its products and services on pages within our sites. To make the content and advertising as informative and useful as possible, CRC Group may target and personalize content and advertisements for products and services on our site. 

Online advertising on third-party websites and applications

CRC Group may advertise its products and services on websites and applications not affiliated with CRC Group. The third-party companies we hire to display these ads use their own tracking technologies to measure the effectiveness of these ads and to understand your interests. Many of our third-party partners have their own privacy policies. We encourage you to review these policies carefully.

Some of our third-party advertising is interest-based and may use information about your online interests to customize the online ads you see. CRC Group has adopted the use of the AdChoices Icon for our interest-based advertising (excluding ads appearing on platforms that do not accept the icon). Anyone receiving an interest-based ad can click on the displayed icon to receive more information. The AdChoices Icon does not prevent you from receiving advertisements; instead, it allows you to control whether you receive interest-based advertisements and from which companies.

Visit the Digital Advertising Alliance website for more information about the AdChoices Icon and interest-based advertising]. If you would like to know more about how to opt out with your specific browser and device, go to you may visit the DAA Webchoices Browser Check and NAI Opt Out of Interest-Based Advertising tools for additional options. You can also download the AppChoices app to opt out in mobile apps.

Social media

CRC Group provides experiences on social media platforms such as LinkedIn, or YouTube that enable online sharing and collaboration. We use social media to facilitate social engagement and sharing, when such sharing is appropriate and safe. Please note, any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the terms of use and privacy policies of those platforms. Please refer to them to better understand your rights and obligations with regard to such content.

Given the very public nature of social media, it is critical that we all safeguard confidential financial information. If you post information on a CRC Group site that we feel should be shielded from public view, we will remove it. This includes not only specific details about your CRC Group accounts and other private, confidential information (such as your Social Security number), but details of information relayed in private conversations between you and CRC Group representatives. Please know that in taking down or editing your posts, we are focusing our experience and best judgment to keep your personal information safe.

Email

Email transmitted across the internet is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential or private information via unsecured email to CRC Group. We'll never ask you to send confidential information to us via email, such as your logon ID, password, full account numbers, or Social Security number.

Occasionally, we will retain the content of your email—and our replies—to confirm proper responses to your questions and requests, to comply with legal and regulatory requirements, and to ensure that we consistently deliver an enjoyable client experience to you.

Linking to other sites

CRC Group may provide links to non-CRC Group companies, such as business partners or other resources. If you choose to link to websites not controlled by CRC Group, we are not responsible for the privacy or security of these sites, including the accuracy, completeness, reliability or suitability of their information. If you are asked to provide information on one of these sites, we urge you to carefully study their privacy policies before sharing.

Control your online and other privacy preferences

In summary, the following links can help you to customize and control your privacy preferences when interacting with CRC Group online:

  • Global Privacy Control

We will respond to the Global Privacy Control signal as explained further in our CCPA Notice at Collection. At this time, we do not currently respond to other browser “do not track” signals or other mechanisms that allow you to tell websites you do not want to have online activities tracked.

11.  How does CRC Group protect my children?

CRC Group strictly follows the federal guidelines of the Children’s Online Privacy Protection Act (COPPA), which gives parents control over what type of information is collected online about their children. We do not knowingly collect, maintain, or use personally identifiable information from children under age 13 on our websites. We are not responsible for the data collection and use practices of nonaffiliated third parties that are linked from our websites. Visit the Federal Trade Commission’s  COPPA Website for more information.

12.  How does CRC Group protect me from fraud and secure information?

To protect personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards, secured files and buildings, as well as oversight of our third- party service providers to ensure information remains confidential and secure. 

13.  How can I make sure my information is accurate, and use my individual rights?

Keeping your account information accurate and up to date is very important. If your account information is incomplete, inaccurate, or not current, please contact your agent, or the broker or underwriter assigned to your account.  You can also email us at  salessupportteam@crcgroup.com or  call: 888-219-0464.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws. Please see additional information regarding what may be available under the California Consumer Privacy Act (CCPA) here. We will ask you to verify your identity to help us respond efficiently to your request.

Under non-U.S. data protection laws, you may have the right to complain to a data protection authority about our collection and use of your personal information.

14.  What is CRC Group’s Cellular Phone Identity Verification Statement?

To help us verify your identity, you authorize your wireless operator (AT&T, Sprint, T-Mobile®, US Cellular®, Verizon, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, to allow us to verify your identity, and to compare information you have provided to us with your wireless operator account profile information for the duration of our relationship.

15.  How will CRC Group notify me about online privacy practices updates?

CRC Group’s Online Privacy Practices may be revised from time to time, so please review them periodically. Any changes will become effective when we post the revised Practices on the site (Please note the effective date listed at the top of this page). If we revise our Online Privacy Practices in a material way, we will provide a conspicuous notice on our website when any changes take effect.

16.  How can I contact CRC Group?

CRC Group welcomes your comments regarding this Statement of Online Privacy Practices. If you believe that CRC Group has not adhered to this Statement , please contact CRC Group at salessupportteam@crcgroup.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.

 

For California state privacy law information, please see  here.