COPYRIGHTS AND PRIVACY POLICY
PRIVACY STATEMENT
The Carpenter Agency is committed to protecting your privacy as a visitor to this Website and as our customer. To our visitors and to our customers, we offer this pledge:
No mobile information will be shared with third parties for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data consent; this information will not be shared with any third parties.
The Carpenter Agency is the owner of the information collected on this Website. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.
SMS DISCLOSURE
We do not sell, rent, license, or lease our contact data or lists to third parties, and we will not provide your personal information to any third-party individual, government agency, or company at any time unless compelled to do so by law. SMS consent or phone numbers for the purpose of SMS are not being shared. We do not sell or share any SMS consent or personal information to third parties or affiliates for SMS marketing Purposes.
*Information obtained as part of the SMS consent process will not be shared with third parties.
Standard Messaging Disclosures
- Message and data rates may apply.
- You can opt-out at any time by texting “STOP.”
- For assistance, text “HELP” or visit our website at www.thecarpenteragency.com.
- Visit our privacy policy at https://www.thecarpenteragency.com/copyrights-and-privacy-statement/ or our terms of service at https://www.thecarpenteragency.com/terms-of-service/.”
- Messaging frequency may vary.
Types of SMS Communications
If you have consented to receive text messages from The Carpenter Agency, our customers may receive appointment reminders, renewal notifications, account status updates, or if you have applied for employment with The Carpenter Agency, you may receive messages about your application for employment. Message rates may apply, and messaging frequency may vary. You may opt-out any time by texting “STOP”. For additional assistance, text “HELP” or review our terms of service at https://www.thecarpenteragency.com/terms-of-service/.”
THE PERSONAL INFORMATION WE COLLECT
The following sections tell you more about how and when we collect your Information.
PERSONAL INFORMATION WE OBTAIN FROM YOU
During the quoting, application, or claims handling processes you may give us Personal Information such as your:
- Name
- Address
- Phone number
- Email address
- Social Security number
- Driver’s license number
- Date of birth
- Claims-related data
- Occupational Information
- Health Data
INFORMATION COLLECTION AND EXAMPLES FOR HOW IT CAN BE USED
We collect your personal information through several methods. This includes but is not limited to Website Forms, Cookies, Email Correspondence, Face-to-Face, or Offline interactions.
If you give us your email address, The Carpenter Agency may use it from time to time to notify you of such things as new services, new quotes, to confirm transactions, or provide claims related updates.
If you provide your mobile phone number with your consent, we may send you text messages regarding your customer account.
We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send an e-mail to us from this Website or when you complete a web form requesting personal identifiable information. When you enroll for an insurance policy at The Carpenter Agency, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of The Carpenter Agency, so we can provide you with policyholder service. The employees of The Carpenter Agency are each required to sign and acknowledge a Confidentiality and Nondisclosure Agreement. Each employee has been instructed to maintain the privacy of each customer and the importance of protecting the customer’s personal information.
When you purchase an insurance policy from The Carpenter Agency, you will pay the premiums with your credit card or personal check. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your Binder of Insurance. You may use this transaction number as a reference to the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your personal check, we will keep a copy of your check in your file.
When you send us e-mail from this Website or complete forms on this Website, you will provide us with certain personal identifiable information including your e-mail address. We may share this information with third parties who provide us with services in the normal course of business including, but not limited to, insurance carriers and their affiliates.
INFORMATION ABOUT YOUR TRANSACTIONS
We may collect Personal Information about your transactions and experiences with us and others, such as your payment history, claims, coverage, and vehicle changes.
HOW PERSONAL INFORMATION IS USED
- The Personal Information we collect from you may be shared with your permission when we submit to a cooperating insurance carrier your application for quotes.
- The Personal Information we collect from you may be shared with premium finance companies when you request outside financing for policy premiums.
- The Personal Information we collect from you may be shared with the insurance company that holds your in-force policy to service payments, changes to coverage or submit claims.
*Please note: SMS opt-in or phone numbers for the purpose of SMS are not being shared with any third party and affiliate company for marketing purposes.
THE PERSONAL INFORMATION WE DISCLOSE
The Personal Information collected about our customers, former customers, applicants, independent contractors, and employees, will only be disclosed as permitted or required by law.
For our customers and former customers, we use this Personal Information to service your policy; or as directed by you. The following are some examples of how we may disclose your Personal Information:
- We disclose your Personal Information to persons or organizations as necessary to perform transactions or provide services that you request or authorize.
- When you are involved in a claim, policy information is provided to your insurance carrier as you request or authorize.
CONFIDENTIALITY AND SECURITY
We restrict access to your Personal Information to personnel who we have determined need it to provide products or services to you.
Personal Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as Personal Information about our current policyholders.
AUTHORIZATION OF USE
The Carpenter Agency hereby authorizes any person to access this Website for informational purposes only. The Carpenter Agency reserves the right to terminate access to this Website at any time without notice. The data, information and material included in this Website is copyrighted by The Carpenter Agency. All rights are reserved under the copyright laws of the United States of America. No part of this Website can be redistributed, copied or reproduced without the prior written consent of The Carpenter Agency.
NO WARRANTIES
The user of this Website assumes all responsibility and risk for the use of this Website and the Internet generally. The Carpenter Agency, and its affiliated companies disclaim all warranties, representations or endorsements, expressed or implied, with regard to the data, information and material included in, or accessible from, this Website or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or noninfringement.
The Carpenter Agency and its affiliated companies have the right to discontinue, change or update any data, information or material included in the Website without prior notice, and they do not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this Website. No advice or information given by The Carpenter Agency or its affiliated companies shall create any warranty. Neither The Carpenter Agency nor its affiliated companies warrants that the data, information and material included in the Website or on the Internet will be uninterruptible or error free or that any data, information, software or other material accessible from this Website is free of viruses or other harmful components. Several of our pages describe various insurance products.
The availability of a specific product may differ from state to state. The product descriptions are general in nature and the insurance coverages are subject to the specific terms of the actual policies issued. If you are interested in the terms and conditions of a specific product, please contact us for additional information.
DISCLAIMER FOR LIABILITY
In no event shall The Carpenter Agency or its affiliated companies be liable for any compensatory, special, direct, incidental, indirect, or consequential damages, exemplary damages or any damages whatsoever resulting from loss of use, data, information or profits arising out of or in connection with the use or performance of the data, information or material included in this Website or on the Internet generally or on any other basis.
DISCLAIMER FOR LINKS
Although this site includes links providing direct access to other Internet sites, The Carpenter Agency and its affiliated companies take no responsibility for the content or information contained on those other sites and does not exert any editorial or other control over those other sites.
ELECTRONIC COMMUNICATION
The Carpenter Agency will not be deemed to have accepted any electronic communication unless The Carpenter Agency provides the sender of electronic communication with an acknowledgment verifying receipt of the communication. If The Carpenter Agency sends any electronic communication, The Carpenter Agency will assume the communication was received intact by the intended recipient. The recipient of such a message must notify The Carpenter Agency if the transmission was not received or was not received in a readable format.
ADDITIONAL INFORMATION FOR OUR WEBSITE USERS
COOKIES
We transmit non-personally identifiable information to third-party service providers (e.g., Google) that collect website statistics. We may also transmit non-personally identifiable information to third-party service providers who may use such information during your visits to this and other websites to provide advertisements about goods and services likely to be of greater interest to you.
One method of collecting such information is using cookies. A cookie is a piece of data that is stored on a visitor’s hard drive while they are visiting this Website. We may utilize a short-lived form of cookie when you visit this site. At The Carpenter Agency, a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server.
The use of cookies helps us to improve our Website and to deliver a better and more personalized service by enabling us to: estimate our audience size and usage patterns; store information about your preferences allowing us to customize our Site according to your individual interests; speed up your searches; and recognize you when you return to our Website. You may refuse to accept cookies by activating the appropriate setting on your browser. However, if you activate such a setting, you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
The cookie expires and is deleted from the visitor’s computer as soon as they close their browser or if they are not actively browsing our Website for more than 20 minutes. Should a previous visitor to our Website return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.
CHANGES TO THIS PRIVACY POLICY
We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes. If you have any questions about our privacy policy, please feel free to contact us at service@thecarpenteragency.com.
We may modify our privacy policy from time to time. The most recent version is always posted at www.thecarpenteragency.com.
SECURITY
Despite the security measures taken by The Carpenter Agency, there is an inherent risk in disclosing personal information over the Internet. Anyone electronically transmitting personal information assumes the risk that such information may be disclosed or intercepted by unintended third parties and The Carpenter Agency disclaims all liability resulting from such interception or disclosure. Anyone who wishes to apply for an insurance quote who is concerned about maintaining the security of their personal information may mail the information to The Carpenter Agency.
THIRD-PARTY LINKS
This Website may contain links to third-party Websites that are not controlled by The Carpenter Agency. These third-party links are made available to you as a convenience, and you agree to use these links at your own risk.
Please be aware that The Carpenter Agency is not responsible for the content of third-party Websites linked to The Carpenter Agency nor are we responsible for the privacy policy or practices of third-party Websites linked to The Carpenter Agency. Our Privacy Policy only applies to information we collect from you while you are actively in connection with The Carpenter Agency. If you should link to a third-party Website from The Carpenter Agency, we strongly encourage you to review and become familiar with that Website’s privacy policy.
COPYRIGHT
The Carpenter Agency logo, and other marks, including the names of various products and services described within and offered by companies represented by The Carpenter Agency and its subsidiaries, are service marks of these companies.
Permission to use, copy and distribute these materials without fee is hereby granted, for non-commercial purposes, provided that the material is unaltered, and The Carpenter Agency copyright notice appears in all copies.
Use of this site shall be governed by and construed in accordance with the laws of our state of business, without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in our state of business.
Should any provision of our terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.
WHAT TO DO IF YOU HAVE PRIVACY OR SECURITY CONCERNS
If you have a concern about privacy or security at The Carpenter Agency, we want to hear about it by mail or email.
Please call 405-624-2277 or write to us at:
The Carpenter Agency
201 W Hall of Fame Ave
Stillwater, OK 74075
or email us at service@thecarpenteragency.com.