Effective as of February 1, 2013


Glocal Insurance Services LLC (GLOCAL INSURANCE) believes that online privacy is important to the success of the Internet and electronic commerce in general, and thus is strongly committed to each visitor’s right to privacy. The following statement sets forth GLOCAL INSURANCE’s privacy policy for its Web site located at and fully explains its information gathering and handling practices. GLOCAL INSURANCE’s privacy policy is consistent with the standards established by the Online Privacy Alliance.

If you, as a visitor, choose to register or submit identifying information, you are consenting to GLOCAL INSURANCE’s use of such data in accordance with its privacy policy as described in this statement. If you should have any questions regarding GLOCAL INSURANCE’s privacy policy or do not feel that your concerns have been addressed, please direct your questions to us using the Contact Us link.

We strictly adhere to all tenets of the Health Insurance Portability and Accountability Act (HIPAA) with particular emphasis on Personal Health Information (PHI) and other identifying information including, but not limited to, social security number, name, home address, telephone number and email address.  When exchanging HIPAA-protected information with our insurance vendors, we use encrypted email that is protected from intrusion by hackers.

Collection and Use of Information

In some areas of the site, cookies are used to collect information about viewers browsing habits in order to customize services. Cookies are small text files stored in a user’s browser and are not used to track the identity of or to store personal data about individual users. If you are concerned about cookies and do not wish to receive a cookie from or any other Web site, you may set your Internet browser to notify you when you receive a cookie and you can then decide to either accept or reject it. However, on certain occasions or under specific circumstances, access to an area of our site, or to some parts of it, may be denied to users if their browsers reject cookies.

In order to ensure that our Web site is well managed, we may anonymously log information on our operational systems and identify categories of visitors only by items such as domains and browser types. Such statistics are reported in the aggregate to our webmasters who use this information to measure number of visitors to different areas of our site to make certain that our Web site is as useful and effective an information source as it can be.

GLOCAL INSURANCE receives very little personal information from visitors to our Web site and only for a limited set of purposes. In general, personal or identifying information may be collected as registration data for certain areas of the site, in order to enable us to respond to certain inquiries for further information, to distribute requested materials, or when visitors decide to submit resumes. Such personal information may consist of, but is not limited to the following: name, address, current job title, phone and/or fax numbers, and email address. Additional demographic information is not actively sought, but may be obtained when a visitor submits a resume as a part of an online job application. It is GLOCAL INSURANCE’s policy not to seek any sensitive information (e.g., data relating to race or ethnic origin, religious beliefs, criminal record, physical or mental health, or sexual orientation) from visitors to our Web site, unless legally required to do so for recruiting or hiring purposes. We do not suggest that you provide sensitive information. However, if you do provide such information, GLOCAL INSURANCE accepts your explicit consent to use that data in the ways described in this privacy statement or in the ways described at the point where such information is disclosed.

It is possible for a visitor to send emails through the site, and such messages will contain the user’s name and email address, as well as additional information that the user may wish to include in his or her messages. Because our Web site can be used to recruit prospective employees, a user’s visit to our site may involve a user sending a resume to GLOCAL INSURANCE.

GLOCAL INSURANCE limits the information collected from visitors to only the minimum information required to fulfill a visitor’s request or order. Where non-mandatory data is sought, the visitor will be notified that such information is not a necessity at the time of collection of such data. Although most publications that are available to visitors through our Web site are provided by downloading, visitors may have the option to purchase GLOCAL INSURANCE publications either online, by calling toll-free phone numbers, or by faxing order forms. In the event that a visitor wishes to purchase a publication, GLOCAL INSURANCE will collect the order information that may include credit card information in order to facilitate payment for and shipment of the publication. GLOCAL INSURANCE will not use personal data to facilitate unsolicited marketing activities.

Disclosure of Information to Third Parties

Visitors are not required to register in order to gain access to the GLOCAL INSURANCE Web site. All personally identifying information provided to GLOCAL INSURANCE and its affiliates through the GLOCAL INSURANCE Web site is provided on a strictly voluntary basis by visitors. GLOCAL INSURANCE will never sell, release, or give any visitors’ information to any unaffiliated third party without first notifying that visitor and receiving explicit permission and approval. GLOCAL INSURANCE may provide a visitor’s information to its agents, affiliates, or to related entities that are members of GLOCAL INSURANCE when necessary to achieve the purpose for which such information was provided. By providing information to GLOCAL INSURANCE through its Web site, you are explicitly consenting to the trans-border transmission of such data. Any visitor who has requested information or notices regarding our services or products may choose at any time to discontinue receiving this information. It is our policy to honor that choice and accordingly refrain from sending any further information or notices.

All visitors have the right to access the retained personal data that they have submitted through the Web site to GLOCAL INSURANCE. To update information, visitors should merely resubmit the correct information. Inquiries regarding the accuracy of identifying or personal information previously submitted to GLOCAL INSURANCE through the Web site should be directed to us using the Contact Us link. GLOCAL INSURANCE is dedicated to providing reasonable access to visitors to afford them the opportunity to review their personal information and correct any inaccuracies therein. Upon request, GLOCAL INSURANCE will remove any identifying or personal information from its systems.

If and when personally identifiable information is retained, GLOCAL INSURANCE will use commercially reasonable efforts to keep an accurate record of any information submitted by any visitor to the GLOCAL INSURANCE Web site. GLOCAL INSURANCE is not responsible for verifying the continued accuracy of this information. If GLOCAL INSURANCE is made aware that personal data previously submitted to its site is no longer accurate, and it is practical, GLOCAL INSURANCE will use its best efforts to make appropriate corrections based on updated, revised information provided by visitors.


GLOCAL INSURANCE has in place generally accepted standards of technological security for the purpose of protecting all information provided by visitors from misuse, loss, or corruption. Only authorized personnel have access to personally identifiable information submitted through the Web site. Such employees are required to maintain the confidentiality of this sensitive data. The policy also applies to any and all agents, affiliates, and related entities of GLOCAL INSURANCE that may receive such information from GLOCAL INSURANCE. All visitors, however, should be aware that our Web site may contain links to other sites that are not governed by this or any other privacy statement.

Changes to our Privacy Policy

GLOCAL INSURANCE reserves the right to modify or amend this privacy statement at any time and for any reason. Nothing contained herein is intended to create a contract or agreement between GLOCAL INSURANCE and any user visiting the Web site or provide identifying information of any kind.

Children’s Privacy Protection

GLOCAL INSURANCE understands the importance of protecting children’s privacy in the interactive online world. GLOCAL INSURANCE’s site covered by this privacy policy is not designed for or intentionally targeted at children 13 years of age or younger. It is not GLOCAL INSURANCE’s policy to intentionally collect or maintain information about anyone under the age of 13.

Visitor’s Questions

If you have any questions or concerns regarding your privacy while using, please direct them to us using the Contact Us link.