ONLINE PRIVACY POLICY AGREEMENT
January 1, 2024
Commonwealth Insurance Advantage (Commonwealth) 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
ensure those affiliated with Commonwealth Insurance Advantage 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 want to make sure that you are up to date with
the latest changes, we advise you to frequently visit this page. If at any point in time Commonwealth Insurance Advantage
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 Commonwealth Insurance Advantage , and it governs any and all data collection and usage by us.
Through the use of www.commonwealthinsure.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 Commonwealth
Insurance Advantage 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 statements 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. - Information automatically collected when visiting our website, which may include cookies, third party tracking
technologies and server logs.
In addition, Commonwealth Insurance Advantage 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.
Commonwealth Insurance Advantage may also deem it necessary, from time to time, to follow websites that our users may
frequent to gleam what types of services and products may be the most popular to customers or the general public.
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, 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 on 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
Commonwealth Insurance Advantage 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.
Commonwealth Insurance Advantage 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.commonwealthinsure.com
Commonwealth Insurance Advantage may also be in contact with you with regards to completing surveys and/or research
questionnaires related to your opinion of current or potential future services that may be offered.
Commonwealth Insurance Advantage uses various third-party social media features including but not limited to Facebook
(Meta), LinkedIn, And YouTube 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 Commonwealth
Insurance Advantage ‘s control.
Disclosure of Information
Commonwealth Insurance Advantage 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;
· as necessary to maintain, safeguard and preserve all the rights and property of Commonwealth Insurance Advantage .
Non-Marketing Purposes
Commonwealth Insurance Advantage 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
Commonwealth Insurance Advantage products and services). In certain circumstances, we may use our website,
newspapers, or other public means to post a notice.
Children under the age of 13
Commonwealth Insurance Advantage ‘s 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
[email protected]. 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. Commonwealth Insurance Advantage 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. Commonwealth Insurance Advantage does not claim nor
accept responsibility for any privacy policies, practices and/or procedures of other such 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 Privacy Policy Agreement applies only and solely to the information collected by our
website.
Notice to European Union Users
Commonwealth Insurance Advantage ‘s 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.
Security
Commonwealth Insurance Advantage 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 the 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 the posting of any updates or changes to our terms and conditions shall mean that you
agree and acceptance of such changes.
How to Contact Us
If you have any questions or concerns regarding the Privacy Policy Agreement related to our website, please feel free to
contact us at the following email, telephone number or mailing address.
Email: [email protected]
Telephone Number: 267-513-1976
Mailing Address:
Commonwealth Insurance Advantage
500 Office Center Dr
Fort Washington, Pennsylvania
19034