Bowen, Miclette & Britt Insurance Agency, LLC
PRIVACY POLICY NOTICE
PURPOSE OF THIS NOTICE
At Bowen, Miclette & Britt Insurance Agency, LLC (BMB), we understand your concerns about privacy. We hope this notice, which describes our use and protection of nonpublic personal information (“customer information”), will help you understand how we treat the customer information we obtain from you or other sources in the course of providing you with our insurance products and additional services.
Furthermore, we wish to inform you that we do not share your personal information with any non-affiliated third parties for any purpose that is not specifically authorized by law unless we obtain your affirmative permission.
Whether you’re doing business with us through an agent, broker, or our Web site, we want you to know that Bowen, Miclette & Britt Insurance Agency, LLC respects your privacy and protects your information.
- We do not sell your customer information.
- We do not share, loan or give customer information to persons, companies, or organizations outside of Bowen, Miclette & Britt Insurance Agency, LLC that would use that information to contact you about their own products and services.
- We expect persons or organizations that provide services on our behalf to keep customer information confidential and to use it only to provide the services we’ve asked them to perform.
- Within Bowen, Miclette & Britt Insurance Agency, LLC, we communicate regarding the need to protect your information to those individuals who may have access to it, and we’ve established physical, electronic, and procedural safeguards to protect customer information.
PRIVACY POLICY STATEMENT
As a part of our normal operations we collect, and in some cases, disclose information about you. We encourage you to read the following Privacy Statement that contains information about Bowen, Miclette & Britt Insurance Agency, LLC policies regarding the collection, use, disclosure, and protection of your information.
If you are not comfortable with any of the terms or policies described in this Statement, we encourage you to send confidential correspondence through the postal service.
What information do we collect?
Personal, Financial and Product Information
We collect personally identifiable information in order to identify and register you as a Bowen, Miclette & Britt Insurance Agency, LLC customer. In addition, we collect personal, financial and product information in order to provide you with services tailored to your particular needs. By learning about you, Bowen, Miclette & Britt Insurance Agency, LLC can deliver more relevant protection and product offerings and thus offer you better insurance services and options.
While you are visiting our website, we may or may not collect personal/confidential information–written, in-person, telephone, facsimile, electronically and online—that may assist us in preparing a quote for you and in helping us to negotiate with our carriers on your behalf. The personal information we collect may include your name, address, policy or claim information, financial or other information as may be required by our underwriters.
We also collect personal information about you from the following sources:
- Information we receive from you on applications for insurance coverage and other forms to provide insurance brokerage services to you (such as your name, home address, social security, telephone number, financial information such as the fair market value of property you wish to insure, and health information);
- Information you authorize us to collect (such as health information for underwriting purposes) or information we are authorized or required by law to collect (such as medical records in a workers’ compensation case);
- Information that we generate to service your account (such as loss claim information);
- Information we receive from a consumer reporting agency such as motor vehicle and driver data, credit history, and employment information; and
- Information about your transactions with us and our affiliates such as your policy coverage, premium payment history, the premium you pay and claims information.
The information we collect will vary depending upon the function or processes you select or request. Depending upon the function, product or process you select (for example, quote, request for proposal, e-mail, purchase), you may be required to provide information such as:
- Name
- Address
- Birthdate
- Phone number
- E-mail address
- Policy(ies) Type(s) & Number(s)
- Social Security Number
- Driver’s License Number, accident/violation history, information about vehicle operators, lien/lease holders, vehicle information, etc.
Information Automatically Logged
We use IP addresses to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.
Disclosure of Information
BMB may share nonpublic information about you, as permitted by law, to enable us to service and maintain your account and provide information to you about products and services of the agency. BMB may collect data and other similar information of its customers and prospects and may use and share that data in our internal systems, such as sales management applications. These systems permit BMB employees to access and process such data solely for the purposes of customer request completion, business administration, business reporting, statistical analysis and marketing of BMB products and services. We may use your information in order to contact you and send you information about BMB or about our products and services. Specifically, we may use your email address to send you newsletters about our products and services, company news and events or educational opportunities.
We do not disclose any nonpublic information about you to non-affiliated third parties, except as permitted by law. The circumstances under which disclosure to non-affiliated third parties is permitted by law include disclosures to insurance companies or insurance intermediaries to obtain any insurance coverage requested by you or to process insurance claims. The circumstances under which disclosure to non-affiliated third parties is permitted by law also include to our auditors, appraisers and legal advisors, in response to a court order, governmental authorities pursuant to legal process, to prevent fraud, and/or disclosures to authorized third party service providers acting on our behalf, that perform marketing and other services for us, such as electronic enrollment service providers, to other financial institutions with which we have joint marketing agreements, such as banks, securities broker-dealers, registered investment advisors, and insurance providers.
Who Should Use Our Web Site?
Our Web site is for insurance and financial products and services and is not intended for children. We offer insurance and financial products and services and thus do not market any products or services to children or knowingly collect any information from children. If we become aware that information is or has been submitted by or collected from a child, we will destroy this information.
What kind of customer information do we have, and where did we get it?
Much of the customer information we collect comes directly from you. When submitting your application or request for insurance or other products and services we offer, or in requesting an insurance quote, you may give us information such as your name, address, and Social Security number. We also keep information about your transactions with our affiliates, others, or us – for example, the types of products and services you purchase from us, premiums, policy account balances and payment history. We also may collect information from outside sources, including consumer reporting agencies and/or health care providers or reporting agencies such as the Medical Information Bureau (MIB). This information includes loss information reports, motor vehicle reports, credit reports, and medical information.
Who collects this information?
In order to better serve your particular needs, the information noted above is collected by Bowen, Miclette & Britt Insurance Agency, LLC, its agents, and other companies working on behalf of Bowen, Miclette & Britt Insurance Agency, LLC. In addition to collecting information from you, you should also know that, depending on the nature of your transaction, we may collect information from outside sources, such as loss information reports, motor vehicle reports, and credit reports. For property insurance, we may send someone to inspect your property and verify information about the value and condition of your property.
How is this information used?
The information you submit to us via our on-line forms and e-mail is used to provide you with the response or service you have requested.
We may also use this information to contact you about our products and services. If you do not wish to receive these communications, you can write us, e-mail us or simply reply to any e-mails you receive from our employees informing us of your desire to be removed from our mailing lists.
Who has access to this information?
In order to better serve your particular needs, Bowen, Miclette & Britt Insurance Agency, LLC, its employees, and certain companies working on Bowen, Miclette & Britt Insurance Agency, LLC behalf have access to this information. This information may also be disclosed to third parties without your consent if disclosure is necessary to comply with legal processes or to protect the rights, property, or personal safety of Bowen, Miclette & Britt Insurance Agency, LLC, its users or the public. We may also provide limited information about you to third parties without your permission when necessary or appropriate to service an insurance policy we have issued (e.g., inquiries from lien holders or additional insureds listed on the policy) or to address claims submitted under a policy we have issued.
In addition, we may, as permitted by law, provide information about you without your permission to certain persons or organizations, such as: your agent or broker; insurance support organizations; other insurance companies in order to perform their function in regard to an insurance transaction involving you (i.e. a claim); independent claim adjusters; businesses that conduct actuarial or research studies; regulatory and law enforcement authorities; or our affiliated companies, if any.
What are your options regarding collection, use, and distribution of your information?
Any information you submit to us via written applications, our Web site’s on-line forms or e-mail is done so on a voluntary basis. When you access our site in this manner, the collection, use, and distribution of your information will be handled according to the terms and policies outlined in this Privacy Statement. If you object to the collection, use, and distribution policies outlined in this Privacy Statement, we ask that you do not submit information.
What are your options regarding correction or storage of your information?
You may either personally see, or obtain from us by mail, the information about you in our files. If you believe the information we have about you in our records or files is incomplete or inaccurate, you may request via telephone or a postal mail letter that we make any necessary additions or corrections or, to the extent that it is feasible, that we delete this information from our files.
Requests for your information and Opt Out Rights
To the extent provided by applicable federal or state law, you may have certain rights to access, correct or delete the information we have collected about you. If you wish to change or delete your information, we may take reasonable steps to ensure your identification before making the requested corrections.
You can opt out of receiving any promotional emails that we send to you by sending an email requesting to be removed from the email list or by contacting us either through the Contact US page or by calling us at 713-880-7100.
Links and Co-Branded Sites
This Web site contains links to other sites. Bowen, Miclette & Britt Insurance Agency, LLC provides links to other sites as a convenience to persons who visit the Bowen, Miclette & Britt Insurance Agency, LLC web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with Bowen, Miclette & Britt Insurance Agency, LLC. Please be aware that Bowen, Miclette & Britt Insurance Agency, LLC is not responsible for the privacy practices of those sites, even though Bowen, Miclette & Britt Insurance Agency, LLC name or logo may appear on those sites. We encourage you to be aware when you leave our site and to read the Privacy Statements of each and every Web site that you visit, as the privacy policy of those sites may differ from ours.
How We Protect Your Information
We take commercially reasonable steps to ensure that your information is kept safe from unauthorized access. We may use physical, electronic and procedural safeguards to protect your private information and to assist us in preventing unauthorized access to that information.
To fulfill our privacy commitment, we take certain actions which may include:
- Adopting policies and procedures that put in place physical, electronic and other safeguards to keep your personal information safe;
- Striving to maintain the accuracy of your information and responding to any questions or concerns you may raise in its regard;
- Requiring third parties that perform services for us to have standards to keep your information confidential;
- Protecting information of our former clients to the same extent as our current clients.
Web Site Disclaimer:
IMPORTANT NOTE: This Web site provides only a simplified description of coverages and is not a statement of contract. None of the information provided on the website is a guarantee that insurance will be provided or that the agency is obligated to procure insurance for the website visitor. Coverage may not apply in all states. Misstatements or omissions of relevant information can lead to price variation or even declination or rescission of coverage. For complete details of coverages, conditions, limits, and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable. Coverage CANNOT be bound, amended, or altered by leaving a message on, or relying upon, information in this Website or through E-Mail, Voicemail or Text.
CALIFORNIA INSURANCE CODE, SECTION 1726
Agency Name: Bowen, Miclette & Britt Insurance Agency, LLC
Headquarters: 1111 North Loop West, Suite 400, Houston, Texas 77008, USA
CA Insurance #: 0G56715
Bowen, Miclette & Britt Insurance Agency, LLC is licensed to do business in all 50 States.
Bowen, Miclette & Britt Insurance Agency, LLC
COOKIE NOTICE
About this Cookie Policy
This Cookie Policy explains what cookies are and how we use them, the types of cookies we use i.e, the information we collect using cookies and how that information is used, and how to control the cookie preferences. For further information on how we use, store, and keep your personal data secure, see our Privacy Policy.
You can at any time change or withdraw your consent from the Cookie Declaration on our website
Learn more about who we are, how you can contact us, and how we process personal data in our Privacy Policy.
Your consent applies to the following domains: www.bmbinc.com
Your current state: No consent given. Manage your consent.
What are cookies?
Cookies are small text files that are used to store small pieces of information. They are stored on your device when the website is loaded on your browser. These cookies help us make the website function properly, make it more secure, provide better user experience, and understand how the website performs and to analyze what works and where it needs improvement.
How do we use cookies?
As most of the online services, our website uses first-party and third-party cookies for several purposes. First-party cookies are mostly necessary for the website to function the right way, and they do not collect any of your personally identifiable data.
The third-party cookies used on our website are mainly for understanding how the website performs, how you interact with our website, keeping our services secure, providing advertisements that are relevant to you, and all in all providing you with a better and improved user experience and help speed up your future interactions with our website.
What types of cookies do we use?
Essential: Some cookies are essential for you to be able to experience the full functionality of our site. They allow us to maintain user sessions and prevent any security threats. They do not collect or store any personal information. For example, these cookies allow you to log-in to your account and add products to your basket, and checkout securely.
Statistics: These cookies store information like the number of visitors to the website, the number of unique visitors, which pages of the website have been visited, the source of the visit, etc. These data help us understand and analyze how well the website performs and where it needs improvement.
Marketing: Our website displays advertisements. These cookies are used to personalize the advertisements that we show to you so that they are meaningful to you. These cookies also help us keep track of the efficiency of these ad campaigns.
The information stored in these cookies may also be used by the third-party ad providers to show you ads on other websites on the browser as well.
Functional: These are the cookies that help certain non-essential functionalities on our website. These functionalities include embedding content like videos or sharing content of the website on social media platforms.
Preferences: These cookies help us store your settings and browsing preferences like language preferences so that you have a better and efficient experience on future visits to the website.
The below list details the cookies used in our website.
| Sl.No: | Cookie Name | Duration | Category | Description |
| 1 | SPSE | session | Others | No description available. |
| 2 | UTGv2 | 5 months 27 days | Others | No description available. |
| 3 | sp_lit | 5 minutes | Others | No description available. |
| 4 | PRLST | session | Others | No description available. |
| 5 | cookielawinfo-checkbox-functional | 1 year | Others | The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category “Functional”. |
| 6 | adOtr | session | Others | No description available. |
| 7 | spcsrf | 2 hours | Necessary | This cookie is used for ensuring the security of the website and visitors. This cookie ensures visitor browsing security by preventing cross-site request forgery. |
| 8 | cookielawinfo-checkbox-necessary | 1 year | Necessary | This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category “Necessary”. |
| 9 | cookielawinfo-checkbox-performance | 1 year | Necessary | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category “Performance”. |
| 10 | cookielawinfo-checkbox-analytics | 1 year | Necessary | This cookies is set by GDPR Cookie Consent WordPress Plugin. The cookie is used to remember the user consent for the cookies under the category “Analytics”. |
| 11 | cookielawinfo-checkbox-advertisement | 1 year | Necessary | The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category “Advertisement”. |
| 12 | cookielawinfo-checkbox-others | 1 year | Necessary | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category “Others”. |
| 13 | YSC | session | Advertisement | This cookies is set by Youtube and is used to track the views of embedded videos. |
| 14 | VISITOR_INFO1_LIVE | 5 months 27 days | Advertisement | This cookie is set by Youtube. Used to track the information of the embedded YouTube videos on a website. |
| 15 | test_cookie | 15 minutes | Advertisement | This cookie is set by doubleclick.net. The purpose of the cookie is to determine if the user’s browser supports cookies. |
| 16 | IDE | 1 year 24 days | Advertisement | Used by Google DoubleClick and stores information about how the user uses the website and any other advertisement before visiting the website. This is used to present users with ads that are relevant to them according to the user profile. |
| 17 | yt-remote-device-id | never | Advertisement | These cookies are set via embedded youtube-videos. |
| 18 | yt-remote-connected-devices | never | Advertisement | These cookies are set via embedded youtube-videos. |
| 19 | SPSI | session | Analytics | This cookie is used for setting a unique ID for the session and it collects user behavior on the website during the session. This collected information is used for statistical purposes. |
| 20 | _ga | 2 years | Analytics | This cookie is installed by Google Analytics. The cookie is used to calculate visitor, session, campaign data and keep track of site usage for the site’s analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors. |
| 21 | _gid | 1 day | Analytics | This cookie is installed by Google Analytics. The cookie is used to store information of how visitors use a website and helps in creating an analytics report of how the website is doing. The data collected including the number visitors, the source where they have come from, and the pages visited in an anonymous form. |
| 22 | _gat_gtag_UA_130155693_1 | 1 minute | Analytics | This cookie is set by Google and is used to distinguish users. |
| 23 | _gat_gtag_UA_167764500_1 | 1 minute | Analytics | This cookie is set by Google and is used to distinguish users. |
| 24 | CONSENT | 16 years 4 months 21 days 10 hours 21 minutes | Analytics | These cookies are set via embedded youtube-videos. They register anonymous statistical data on for example how many times the video is displayed and what settings are used for playback. No sensitive data is collected unless you log in to your google account, in that case your choices are linked with your account, for example if you click “like” on a video. |
| 25 | mailchimp_landing_site | 1 month | Functional | The cookie is set by the email marketing service MailChimp. |
| 26 | paddos_frgIO | 1 year | Others | No description |
| 27 | cookietest | session | Others | No description |
How can I control the cookie preferences?
Should you decide to change your preferences later through your browsing session, you can click on the “Privacy & Cookie Policy” tab on your screen. This will display the consent notice again enabling you to change your preferences or withdraw your consent entirely.
In addition to this, different browsers provide different methods to block and delete cookies used by websites. You can change the settings of your browser to block/delete the cookies. There are a variety of online resources that can help you find out more about how to manage and delete cookies.
To opt-out of Google Analytics, https://tools.google.com/dlpage/gaoptout/
Contact our office by phone at 713-880-7100 or by email at info@bmbinc.com with any questions.
