We are committed to respecting and protecting your privacy, and it is our policy
to comply with all applicable laws relating to privacy. In addition, in this privacy
policy statement you will find further information on these areas:
What information we collect.
How we may use the information.
How we may share the information.
What types of security procedures are in place to protect the information.
How users can correct inaccuracies in the information.
What choices are available to users regarding
collection, use, and distribution of the information.
How to contact us.
Important note: Our websites may contain links to other parties’ sites. We
are not responsible for the privacy practices of such other sites. We encourage
you to read the privacy statements of each and every Website that collects personally
A. Information We Collect
1) Information you provide. When you use any service or promotion that requires
registration, we ask you for personal information (e.g., your name, email address,
an account password). We may combine the information you submit under your account
with information from our other services or third parties in order to fulfill your
request, to provide you with a better experience, or to improve the quality of our
services. For certain services, we may give you the opportunity to opt out of combining
the quality of our service, including storing your preferences and tracking user
3) Log-file information. When you access our services, our servers may automatically
record the information that your browser sends whenever you visit any website. These
server logs may include information such as your web request, IP address, browser
type, browser language, the date and time of your request and one or more cookies
that may uniquely identify your browser.
4) Communications. If you send us messages, we may retain those in order to process
your inquiries, respond to your requests, and improve our services.
B. Use of Information
We may use the information to provide you services, to communicate with you, or
for other lawful purposes within the limits of this policy.
Communications from us:
Initial Account Confirmation
We may send you a welcoming email for your information, and if applicable, to confirm
your user ID and/or password.
Newsletter, Products & Services
We may send a newsletter to users of certain services. If a user wishes to subscribe
to our newsletter, we ask for contact information such as name and email address.
We may also occasionally send you information on products or services. Out of respect
for our users’ privacy, we provide a way to opt-out of these communications (see
Opt-Out and Corrections, below).
On very rare occasions, it may be necessary to send out a strictly service-related
announcement. For instance, if our service experiences a significant outage. Generally,
users may not opt-out of these communications, though they can deactivate their
account. However, these communications are not promotional in nature.
We communicate with users on a regular basis to provide requested services and in
regard to issues relating to their specific account; we may communicate via email,
mail, or phone.
Depending upon which of our services you use and which of our sites you access,
you may be permitted and/or invited to provide us with information and/or your opinions.
Participation in these surveys is completely voluntary, but the information collected
intermediary to conduct these surveys, the intermediary will be prohibited from
using personally identifiable information for any secondary purposes.
Additional information we may collect:
We may store information that we collect through cookies, log files and/or third
parties to create a profile of our users. A profile is stored information that we
keep on individual users that details their viewing preferences. Consequently, collected
information is tied to the users personally identifiable information to provide
offers and improve the content of the site for the user. This profile is used to
tailor a user’s visit to our website and to direct pertinent information to users.
We do not share your profile with third parties, except as otherwise described herein.
We reserve the right to start a referral service. If you elect to use this referral
service to tell a friend about our site, we’ll ask you for the friend’s name and
email address. We will automatically send the friend a one-time email inviting him
or her to visit the site. We store this information for the sole purpose of sending
this one-time email and tracking the success of our referral program. The friend
may contact our privacy officer (see contact information below) to remove this information
from our database.
C. Sharing of Information
Aggregate Information (non-personally identifiable)
We may share aggregated demographic information about our user base with others.
This information does not identify individual users. In doing this, we do not link
aggregate user data with personally identifiable information.
Personally Identifiable Information
We will not sell your personally identifiable information to third parties without your permission.
We may share information with third parties in several instances:
1) when the service you are requesting inherently requires it, as when we submit
your application for insurance to an insurance company;
2) when you expressly authorize and/or direct it;
3) in response to subpoenas, court orders, or legal process, or to establish or
exercise our legal rights or defend against legal claims; and
4) when we believe that disclosure is necessary to protect our rights or to comply
with a judicial proceeding, court order, legal process, or as otherwise required
In the event we go through a business transition, such as a merger, acquisition
by another company, or sale of all or a portion of our assets, the information we
have collected will likely be among the assets transferred. You will be notified
via notice on our website of any such change in ownership or control of your personal
D. Security of Your Information
We subscribe to industry standards for the protection of personal information submitted
to us, both during transmission and once we receive it. When you enter sensitive
information (such as a credit card number and/or social security number) through
our website, we encrypt that information using secure socket layer technology (SSL).
Once received, information that is retained by us is
(1) kept in a firewalled and intrusion-protected storage environment,
(2) accessed only by privacy-trained staff authorized to access it to fulfill your
requests or otherwise perform our business functions, and
(3) periodically reviewed for deletion in accordance with applicable law, contract
requirements, and our internal data-retention guidelines.
E. Opt-out and Corrections
If you wish to opt-out of certain features of your account, if your personally identifiable
information changes (such as ZIP code, phone, email or postal address), or if you
no longer wish to use our service, we provide a way to correct, update or delete/deactivate
personally identifiable information. This can usually be done online, or alternatively
by emailing us at the contact email address below.
F. Changes in this Privacy Statement
We reserve the right to modify this privacy statement at any time, so please review
it frequently. If we make material changes to this policy, we will notify you here,
by email, or by means of a notice on our home page.
G. Contact Us
and its subsidiaries, including Small Business Service Bureau, Inc., Group Health
& Benefit Administrators, Inc., Small Business Insurance Agency, Inc., and divisions
thereof, including Pivot.com and SterlingBridge.com. To reach us regarding this
or mail us at
Privacy Officer c/o VP Finance
Carroll Enterprises, Inc.
554 Main Street
Worcester, MA 01608