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KG Insurance Services LLC

KG Insurance Services' Privacy Notice

Last Updated April 22, 2023 


KG Insurance Services ( KG Insurance) values its users' privacy. This Privacy Policy ("Policy") will help you understand how we collect and use personal information from those who visit our website or make use of our online facilities and services, and what we will and will not do with the information we collect. Our Policy has been designed and created to assure those affiliated with KG Insurance Services of our commitment and realization of our obligation not only to meet, but to exceed, most existing privacy standards. 


We reserve the right to make changes to this Policy at any given time. If you have not registered with us and want to make sure that you are up to date with the latest changes, we advise you to frequently visit this page. If you are a registered user, we will notify you via email of any changes or updates made to this Policy. If at any point in time KG Insurance Services decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner. 


This Policy applies to KG Insurance Services, and it governs any and all data collection and usage by us. Through the use of www.kginsuranceservices.com, you are therefore consenting to the data collection procedures expressed in this Policy. 


Please note that this Policy does not govern the collection and use of information by companies that KG Insurance Services does not control, nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information. It is highly recommended and suggested that you review the privacy policies and conditions of any website you choose to use or frequent to better understand the way in which websites garner, make use of and share the information collected. 


Specifically, this Policy will inform you of the following:

  1. What personally identifiable information is collected from you through our website; 
  2. Why we collect personally identifiable information and the legal basis for such collection; 
  3. How we use the collected information and with whom it may be shared; 
  4. What choices are available to you regarding the use of your data; and 
  5. The security procedures in place to protect the misuse of your information.

Information We Collect      

It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to register you as a user or provide you with any products or services. This website collects various types of information, such as: 
  • Voluntarily provided information which may include your name, address, email address, billing and/or credit card information etc. which may be used when you purchase products and/or services and to deliver the services you have requested. 

In addition, KG Insurance Services may have the occasion to collect non-personal anonymous demographic information, such as age, gender, household income, political affiliation, race and religion, as well as the type of browser you are using, IP address, or type of operating system, which will assist us in providing and maintaining superior quality service. 


Please rest assured that this site will only collect personal information that you knowingly and willingly provide to us by way of surveys, completed membership forms, quote forms, referral forms, and emails. It is the intent of this site to use personal information only for the purpose for which it was requested, and any additional uses specifically provided for in this Policy. 


Why We Collect Information and For How Long


We are collecting your data for several reasons: 

  • To better understand your needs and provide you with the services you have requested;
  • To fulfill our legitimate interest in improving our services and products;
  • To send you promotional emails containing information we think you may like when we have your consent to do so;
  • To contact you to fill out surveys or participate in other types of market research, when we have your consent to do so;
  • To customize our website according to your online behavior and personal preferences. 


The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based upon the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of contract we have with you, the existence of your consent, and our legitimate interest in keeping such information as stated in this Policy.


Use of Information Collected  


KG Insurance Services does not now, nor will it in the future, sell, rent or lease any of its customer lists and/or names to any third parties. 


KG Insurance Services may collect and may make use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from www.kginsuranceservices.com 


KG Insurance Services may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current, potential, or future services that may be offered. KG Insurance Services uses various third-party social media features including but not limited to www.facebook.com/kginsuranceservices, www.instagram.com/kginsuranceservices and other interactive programs. These may collect your IP address and require cookies to work properly. These services are governed by the privacy policies of the providers and are not within KG Insurance Services' control. 


Disclosure of Information 


KG Insurance Services may not use or disclose the information provided by you except under the following circumstances: 

  • as necessary to provide services or products you have ordered;
  • in other ways described in this Policy or to which you have otherwise consented;
  • in the aggregate with other information in such a way so that your identity cannot reasonably be determined;
  • as required by law, or in response to a subpoena or search warrant;
  • to outside auditors who have agreed to keep the information confidential;
  • as necessary to enforce the Terms of Service on our website;
  • as necessary to maintain, safeguard and preserve all the rights and property of KG Insurance Services LLC. 

Non-Marketing Purposes 

KG Insurance Services greatly respects your privacy. We do maintain and reserve the right to contact you if needed for non-marketing purposes (such as bug alerts, security breaches, account issues, and/or changes in KG Insurance Services products and services, or changes to this Policy). In certain circumstances, we may use our website, newspapers, or other public means to post a notice.

Children under the age of 13 

KG Insurance Services' website is not directed to, and does not knowingly collect personal identifiable information from, children under the age of thirteen (13). If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13), we shall immediately take the necessary steps to ensure that such information is deleted from our system's database, or in the alternative, that verifiable parental consent is obtained for the use and storage of such information. Anyone under the age of thirteen (13) must seek and obtain parent or guardian permission to use this website. 

Unsubscribe or Opt-Out 

All users and visitors to our website have the option to discontinue receiving communications from us by way of email or newsletters. To discontinue or unsubscribe from our website please send an email that you wish to unsubscribe to contact@kginsuranceservices.com. If you wish to unsubscribe or opt-out from any third-party websites, you must go to that specific website to unsubscribe or opt-out. KG Insurance Services will continue to adhere to this Policy with respect to any personal information previously collected.

Links to Other Websites 

Our website does contain links to affiliate and other websites. KG Insurance Services does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information. This Policy applies only and solely to the information collected by our website. 

Notice to European Union Users 
KG Insurance Services' operations are located primarily in the United States. If you provide information to us, the information will be transferred out of the European Union (EU) and sent to the United States. (The adequacy decision on the EU-US Privacy became operational on August 1, 2016. This framework protects the fundamental rights of anyone in the EU whose personal data is transferred to the United States for commercial purposes. It allows the free transfer of data to companies that are certified in the US under the Privacy Shield.) By providing personal information to us, you are consenting to its storage and use as described in this Policy. 

Your Rights as a Data Subject 

Under the regulations of the General Data Protection Regulation ("GDPR") of the EU you have certain rights as a Data Subject. These rights are as follows:

  • The right to be informed: this means we must inform you of how we intend to use your personal data and we do this through the terms of this Policy.
  • The right of access: this means you have the right to request access to the data we hold about you and we must respond to those requests within one month. You can do this by sending an email to contact@kginsuranceservices.com.
  • The right to rectification: this means that if you believe some of the data we hold is incorrect, you have the right to have it corrected. You can do this by logging into your account with us, or by sending us an email with your request. You can do this by sending an email to contact@kginsuranceservices.com.
  • The right to erasure: this means you can request that the information we hold about you be deleted, and we will comply unless we have a compelling reason not to, in which case you will be informed of the reason. You can do this by sending an email to contact@kginsuranceservices.com.
  • The right to restrict processing: this means you can change your communication preferences or opt-out of certain communications. You can do this by sending an email to contact@kginsuranceservices.com.
  • The right of data portability: this means you can obtain and use the data we hold for your own purposes without explanation. If you wish to request a copy of your information, contact us at contact@kginsuranceservices.com.
  • The right to object: this means you can file a formal objection with us regarding our use of your information with regard to third parties, or its processing where our legal basis is our legitimate interest in it. To do this, please send an email to contact@kginsuranceservices.com. 

In addition to the rights above, please rest assured that we will always aim to encrypt and anonymize your personal information whenever possible. We also have protocols in place in the unlikely event that we suffer a data breach and we will contact you if your personal information is ever at risk. For more details regarding our security protections see the section below or visit our website at www.kginsuranceservices.com. 

Security 
KG Insurance Services takes precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (e.g. credit card information), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for "https" at the beginning of the address of the webpage. 

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers and servers in which we store personally identifiable information are kept in a secure environment. This is all done to prevent any loss, misuse, unauthorized access, disclosure or modification of the user's personal information under our control. 

The Company also uses Secure Socket Layer (SSL) for authentication and private communications to build users' trust and confidence in the internet and website use by providing simple and secure access and communication of credit card and personal information.

Acceptance of Terms 

By using this website, you are hereby accepting the terms and conditions stipulated within this Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following proper notification or the posting of any updates or changes to our terms and conditions, shall mean that you agree and accept such changes. 

How to Contact Us 
If you have any questions or concerns regarding this Privacy Policy as it relates to our website, please feel free to contact us at the following email, telephone number or mailing address: 

Telephone Number:240-428-1392 
Mailing Address: 
KG Insurance Services LLC 
7408 Westmore Rd 
Rockville, Maryland 20850 

SMS Privacy Policy of KG INSURANCE SERVICES LLC

Last Updated May 19, 2023

  1. Introduction. We at KG INSURANCE SERVICES LLC believe in protecting the security and confidentiality of your personal information. This SMS Privacy Policy (the "Policy") discloses our policies regarding the collection, use, maintenance and disclosure of your personal information obtained in connection with your participation in the SMS messaging service (the "Service"), that we make available to you through a third party provider. This Policy only applies to the personal information obtained in connection with the Service. By opting into and using the Service, you agree to be bound by the terms of this Policy.
  2. Personal Information. “Personal information” is data that identifies, relates to, describes, can be used to contact, or could reasonably be linked directly or indirectly to you. For purposes of this Policy, there is no meaningful distinction between the terms “personal information” and “personal data.

1.Personal Information Collected When You Opt-In. When you opt-in to the Service, we collect the following items of personal information directly from you: 

i. Your name 
ii. Your phone number

2. Personal Information Collected from Service Provider. We collect the following items of personal information from the third party provider when you use the Service:

i. The content of any text messages that you send us

ii. The details of messages you send, such as the time and date of the message

iii. Your messaging history

3. Other Personal Information Provided by You. We also collect other items of Personal Information voluntarily provided by you including, but not limited to, contact information provided in connection with an inquiry, comments and other feedback

  1. No Sale of Personal Information. We do not sell or rent the personal information obtained in connection with the Service to other companies or individuals.
  2. Use of Personal Information. We use your personal information:
    1. To deliver the Service to you.
    2. To communicate with you regarding inquiries, or otherwise provide customer service.
    3. To maintain and support the Service.
    4. To personalize how you experience the Service.
    5. To improve the overall experience of the Service.
    6. To analyze the Service.
    7. To create de-identified personal information to be used by us.
    8. For any other purpose that you consent to.
  3. Disclosure of Personal Information to Third-Parties. We disclose the personal information we collect in connection with the Service for the following purposes:
    1. To provide the Service. We share your personal information with third party service providers to help us provide the Service to you. These third parties are contractually obligated to use your personal information only for the limited purposes the personal information was disclosed for.
    2. With our affiliates. We may share your personal information with third parties that share common ownership with KG INSURANCE SERVICES LLC, but only for the purposes described above.
    3. For reasons you consent to. We may share your personal information with third parties for any reason if we obtain your consent before doing so, or if you specifically direct us to share your personal information.
    4. In the event of a corporate transaction. We may disclose or transfer your information to a third party if we sell, transfer, divest, or disclose all or a portion of our business or assets to another company in connection with or during negotiation of any merger, financing, acquisition, bankruptcy, dissolution, transaction, or proceeding.
    5. Use to protect against, investigate and deter fraudulent activity. When necessary, your personal information may be disclosed to third parties for the purpose of protecting against, investigating and deterring fraudulent, as well as unauthorized or illegal, activity.
    6. Defend our legal rights. To protect and defend the legal rights of KG Insurance Services LLC's and KG Insurance Services LLC's employees, we may disclose your personal information. We may also require your personal information to defend against legal claims, or to establish our legal rights.
    7. To comply with and as required by law. We may disclose your personal information to government authorities or other relevant third parties in order to comply with applicable legal requirements, judicial proceedings, court orders, subpoenas, legal process, or lawful requests from governmental authorities.
  4. Security. We have implemented commercially reasonable safeguards to provide adequate protection for the storage and transfer of your Personal Information. Despite the measures we have taken, we cannot guarantee that your personal information will only be accessed by authorized parties. We are not responsible for third parties that circumvent the safeguards we have put in place. We will notify you if we become aware of unauthorized access of your personal information..
  5. Retention of Personal Information. Unless there is something in this Policy to the contrary, we may retain your personal information for as long as you participate in the Service, and thereafter as long as necessary to comply with legal requirements and obligations, defend our rights, resolve conflicts, improve our website, address complaints, and enforce contracts.
  6. Opt-Out. At any time, you may opt-out of this Service by doing the following:"A user may opt-out by texting STOP through the service". You may also opt-out by contacting us by one of the methods in the Contact section of this Policy. You are not required by us to participate in the Service. You will not be discriminated against for choosing to opt-out of this Service.
  7. Revisions. This Policy may be revised from time to time without prior notice to you. The changes to the Policy will be effective as soon as the updated Policy is posted. If you disagree with any such changes, please cease using the Service. Continued use following the posting of any such changes indicates your acceptance of the changes. If we make any changes to this Policy that materially impact previously collected personal information about you, we will make reasonable efforts to provide notice and obtain consent to any such changes as may be required by law.
  8. Minors. Minors under the age of 18 may not use the Service. We do not knowingly collect information from children under 18 years of age. If you become aware that a minor under the age of 18 has used the Service, please contact us by the method listed below.
  9. Terms of Use and Privacy Policy. This Policy is subject to the terms contained in KG Insurance Services LLC's Terms of Use and KG Insurance Services LLC's primary Privacy Policy, both of which are available on KG Insurance Services LLC's website at www.kginsuranceservices.com. By signing up for the Service, you also agree to KG Insurance Services LLC's Terms of Use and Privacy Policy.
  10. Contact. If you have any questions or concerns about this Policy or the way in which your personal information is handled, please contact us in person at 7408 Westmore Rd Unit M, Rockville, MD 20850, by phone at 240-428-1392, or by email at contact@kginsuranceservices.com.