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Privacy Policy

Welcome to Mariners Alternative Insurance Services Inc.’s website.

We believe our Privacy Policy is both comprehensive and consumer-friendly. Please take a few minutes to review it.

We wrote this Privacy Policy to help you understand what information we collect from and about you, how we use this information and the choices you have regarding such use, and other important information regarding our privacy practices. If you do not agree with all the provisions of this Privacy Policy, then we cannot provide services to you and you must stop accessing the website.

We may change this Privacy Policy from time to time. If we materially alter either the Privacy Policy or the way in which we treat your information, then we will provide you with notice through the website or by email. Your continued use of the website following such notice constitutes acceptance of those changes. We encourage you to review this Privacy Policy periodically for the latest information on our privacy practices.

This Privacy policy should be read in conjunction with the Terms and Conditions of the website.

SCOPE OF POLICY

This Privacy Policy applies to information collected through our website and any other online products and services that display or link to this Privacy Policy, information collected offline (e.g., information you submit via the mail or by telephone), and information obtained from third parties.

COLLECTION OF INFORMATION

We collect and combine information about you and the devices you use to access our website for the purposes described in this Privacy Policy. This includes information you provide to us, information collected through your use of our online services and information obtained from our partners and other reliable sources.

Information you provide to us

We collect personal information you provide directly to us, such as when you request a quote; apply for, purchase or modify coverage; create or modify your account; pursue a claim; request information from us; contact customer support; respond to a survey; or otherwise communicate with us. This information may include your name, e-mail address, phone number, postal address, payment information and financial account numbers, boat information, claims filed previously, survey responses, and other information you choose to provide to us.

When you submit a claim, we may ask you to submit photographs of any damage or documents related to the claim, which may include personal information. These photographs or documents may include geo-location or other metadata.

In order to pay your insurance premium, you will be required to provide information including the following: credit or debit cardholder name, debit or credit card account number, card expiry date, card security code (CVV), and cardholder billing address. This information is used only to process the card transaction for your purchase of insurance. We use third parties for the secure processing of card transactions. You may be offered the option of storing your card information to facilitate your purchases in the future. That information is not stored by us but by the third party and is subject to the privacy policy of the third party which we encourage you to read.

Information we collect through your use of our website

We use cookies and similar technologies on our online services, electronic communications and advertisements that automatically receive and track certain data about how you and other visitors interact with our online services, preferences expressed and settings chosen. For example, we may collect information about your device (such as your device and browser type, operating system, IP address, mobile network carrier, and device and advertising identifiers) and your use of our online services (such as access dates and times, online features or pages viewed, system activity and the third-party site or service you were using before interacting with our online services). In some cases, we do this through the use of cookies, pixel tags, SDKs and similar technologies that create and maintain unique identifiers. To learn more about these technologies and our use of them, please see our Statement on Cookies and Similar Technologies below.

Information we collect from other sources

We may also receive information from other sources and combine it with information we collect from you. For example, we may obtain information about you from commercially available sources such as data aggregators and public data- bases. This information may include your name, demographic information, interests and publicly-observed data (such as from social media and shopping behavior), homeowner loss history, credit information, and information about your residential properties.

USE OF INFORMATION

We may use the information we collect from and about you (and your device) to generate a quote for you; create, maintain and customize your account with us; verify and supplement your application information; process claims; respond to your requests, questions or comments; process payments and prevent transactional fraud; provide you with customized content, targeted offers and advertising through our online services, other sites and via e- mail or text message; contact you with information, newsletters and promotional materials from us or on behalf of our partners; promotion of customer reviews and testimonials in marketing and advertising material; develop new products and services, and improve our existing products and services; address problems and review the usage and operations of our online services or business, and improve our online service content, products and offerings; protect the security and integrity of our online services and our business; respond to law enforcement requests and as required by applicable law, court order and governmental regulations; and as otherwise described to you at the point of data collection and in this Privacy Policy.

In addition to the purposes identified above, any information we collect may also be used for analytics purposes (e.g., evaluating website usage patterns and advertisement interactions) so that we can gauge the effectiveness of our programs and advertisements, and improve the usefulness of information presented to visitors.

SHARING OF INFORMATION

We may share the information we collect from and about you (and your device) as described in this Privacy Policy or as described at the time of collection.

Information shared by us

  • Service Providers. In the course of doing business, we employ other companies and individuals to perform a variety of functions on our behalf. For example, we may provide the information we collect from and about you (and your device) to companies that host our online services or send communications on our behalf. These service providers may have access to information about you if it is needed to perform their functions for us, but they are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or to comply with legal requirements, and they are required to maintain the information in confidence.
  • Promotions. We will share the information we collect from and about you (and your device) with third parties as necessary to provide you with a product or service you requested through a partnership or promotional offering made by a third party or us.
  • Legally Required. We reserve the right to disclose information we collect from and about you (and your device) if required to do so by law or by a regulatory authority. We may also disclose your information as part of an investigation or enforcement action relating to improper or illegal conduct in connection with our website or services, including, without limitation, any situations that may potentially involve threats to the safety or privacy of any person or misuse of our online services.
  • Sale or Bankruptcy. During the normal course of our business, we may sell or purchase assets. If another entity acquires us or any of our assets, information we collect from and about you (and your device) may be transferred to such entity. In addition, if any bankruptcy or reorganization proceeding is brought by or against us, such information may be considered an asset of ours and may be sold or transferred to third parties. Should such a sale or transfer occur, we will use reasonable efforts to try to require that the transferee use the information we collect from and about you (and your device) in a manner that is consistent with this Privacy Policy.

AGGREGATED AND NON-IDENTIFIED DATA

We may maintain aggregate data or other non-identified information about you, such as usage statistics, online traffic patterns and user feedback. In addition to using this information for the purposes discussed in this Privacy Policy, we may disclose this information to third parties without restriction.

Analytics and advertising services provided by others

We may allow others to provide customer measurement and analytics services for us, to serve advertisements on our behalf on our online services and across the internet, and to track and report on the performance of those advertisements. These entities may use cookies, pixel tags, SDKs, and other technologies to identify your device when you use our online services and interact with our electronic communications and ads, as well as when you visit other online sites and services. Data collected and maintained by such third-party ad providers will be subject to the terms of use and privacy policies of those providers. For more information about these technologies and service providers, please see our Statement on Cookies and Similar Technologies below.

STATEMENT ON COOKIES AND SIMILAR TECHNOLOGIES

We and our approved partners use “cookies” and similar technologies on our online services, electronic communications and advertisements that automatically receive and track certain data about your device and interaction with our online services, communications and advertisements. You can read more here about the types of cookies and similar technologies we use, why we use them, and how you can exercise your choices.

Types and purposes of cookies and similar technologies

These cookies and similar technologies receive and track certain data about your device (such as your device type, operating system, device IP address, mobile network carrier, and anonymous device and advertising identifiers) and interaction with our online services, communications and advertisements (such as access dates and times, features or pages viewed, advertisements and ad features viewed, and approximate location based on your IP address).

“Cookies” are small text files that are stored on your browser or device by websites, apps, online media and advertisements. There are different types of cookies. Cookies served by the entity that operates the website or app you are visiting or using are called “first party cookies”. Cookies served by companies that are not operating the website or app you are visiting or using are called “third party cookies” (so, we may allow an analytics partner to set a cookie on your computer via our online services while you visit our online services). Cookies may also endure for different periods of time. “Session cookies” only last only as long as your browser or app is open. These are deleted automatically once you close your browser or app. Other cookies are “persistent cookies” meaning that they survive after your browser or app is closed (for example, they may recognize your computer when you re-open our online services). 
“Pixel tags” (also called web beacons, clear GIFs or action tags) are small blocks of code installed on (or called by) a webpage, app or advertisement which can retrieve certain information about your device and browser, including device type, operating system, browser type and version, website visited, time of visit, referring website, IP address, and other similar information (including the small text file (the cookie) that uniquely identifies the device). Pixel tags can also be used to monitor the way in which visitors interact with websites, electronic communications and the content thereon/in.

Pixels also provide the means by which third-party partners set and read browser cookies from a domain that they do not themselves operate and collect information about visitors to that domain, typically with the permission of the domain owner.

“Software Development Kits” (also called SDKs) function like pixels and cookies, but operate in the mobile app context where pixels and cookies cannot always function. The primary app developer can install pieces of code (the SDK) from partners in the app, and thereby allow the partner to collect certain information about user interaction with the app and information about the user device and network information.

“Local storage” refers generally to other places on a browser or device where information can be stored by websites, ads, us or third parties (such as HTML5 local storage and browser cache).

“Log file information” (also called “server logs”) refers to information that is automatically reported by your browser each time you access a website, including your web request, IP address, browser type, referring/exit pages and URLs, number of clicks, domain names, landing pages, pages viewed, language and other such information.

In this privacy statement, these and similar technologies are collectively referred to as “cookies and similar technologies”.

Your cookie choices

Most web browsers are set to accept cookies by default. However, you can typically choose to set your browser to remove or reject browser cookies. To do so, please follow the instructions provided by your browser which are usually located within the “Help” or “Preferences” menu or contact your software manufacturer. Please note that deleting or refusing cookies may mean that you experience a reduced functionality on our website. Certain functions may not work at all. Some cookies are necessary to the proper operation and security of our website and online services. We are not responsible for any function that may not operate after you delete or refuse cookies, or any losses or damages arising from those functions not operating or having reduced functionality.

INFORMATION SECURITY

We and our third-party providers use physical, technical and administrative security measures, consistent with industry practice. Such measures are reasonably designed to protect information we collect from and about you (and your device) from loss, unauthorized access, disclosure, alteration or destruction. We may use encryption, password protection, secure socket layers, internal restrictions and other security measures to help prevent unauthorized access to the information we collect from and about you. We restrict access to your information to those persons who have a business need for such information. However, any information you provide to us is at your own risk. We cannot guarantee that such information will not be lost, accessed without authorization, disclosed, altered, or destroyed. You acknowledge that Mariners Alternative cannot be held responsible for any damages you incur as a result of your information being accessed by unauthorized parties. If your information is accessed by unauthorized parties, we will seek to notify you in compliance with any applicable law.

CHILDREN

Our online services are not intended for or designed to attract children under the age of 13. Moreover, we do not knowingly collect any personally-identifiable information from anyone under the age of 18 without the consent of a parent or guardian, and you must be 18 years of age or older to submit any information to us.

CONTACT US

If you have any questions about this Privacy Policy or our other information practices, please contact us at info@marinersalternative.com; 1 (833) 548-6464; or Mariners Alternative Insurance Services Inc., 4279 Roswell Road NE, Suite 208 #238, Atlanta, GA 30342.