Privacy Policy

It is important to us that the information we have about you is secure.

We value our relationship with you and work hard to preserve your privacy and ensure that your preferences are honored. At the same time, the very nature of our relationship may result in Brown Insurance Services' collecting or sharing certain types of information about you in order to provide the products and services you expect from us. We explain how we use customer information in this Privacy Policy.

Information We Collect and Disclose

Brown Insurance Services recognizes the importance of your privacy and we appreciate the trust you place in us to handle your sensitive information. We want you to know that we may share some of the nonpublic information that we obtain about you as needed to provide products and services you request which may include the following:

  • Information we receive from applications or other forms such as an individual’s name, address, social security number, assets, and income.
  • Information about transactions with Brown Insurance Services such as transaction history, policy coverage, payment history, and claims history.
  • Information others give to Brown Insurance Services to make sure that the data you provide is accurate and up to date. This may include information from employers, banks, insurers, credit reporting agencies, or government agencies.
How We Share Information

We share information with non-affiliated third parties that perform services on our or your behalf. Non-nonaffiliated third parties are not controlled, directly or indirectly, by Brown Insurance Services and may include:

  • Financial services providers, such as companies engaged in insurance and securities;
  • Non-financial organizations, such as companies engaged in direct marketing and the selling of consumer products and services; or
  • Our private lawyers, auditors, and other appropriate representatives who are bound by confidentiality obligations.

We do not share information about you with non-affiliated third parties for them to contact you for their own marketing purposes.

In addition, the law permits us to share information about our current and former customers with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information in response to subpoenas or to comply with certain laws.

How We Protect Information

We take steps to protect the privacy of your data by restricting access to our personnel on a need-to-know basis in connection with our providing services to you and by safeguarding it from unauthorized individuals by limiting access to our databases. Although access to your information is restricted by administrative, electronic, mechanical, and physical safeguards, we cannot guarantee complete security or accuracy of customer information.

Time Customer Information Retained

We maintain information about you for as long as we provide services to you and for a longer period if necessary for related business activities or as required by law. Information about our former customers is subject to the same use and disclosure restrictions and security efforts as is information about current customers. When information is no longer necessary for our business purposes or compliance with applicable law, we will return or destroy the information.

Changes to this Privacy Policy

Brown Insurance Services reserves the right to change this privacy policy at any time and we suggest checking this page occasionally to ensure you are familiar with any changes.

If you have any questions about this privacy policy or Brown Insurance Services' treatment of your personal information, please contact us.

Terms & Conditions

The following terms and conditions govern your use of this website.

By using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.

This website uses cookies. By using this website and agreeing to these terms and conditions, you consent to our Brown Insurance Services' use of cookies in accordance with the terms of our privacy policy above.

License to use website

Unless otherwise stated, Brown Insurance Services own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not:

  • republish material from this website (including republication on another website);
  • sell, rent or sub-license material from the website;
  • show any material from the website in public;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose.
Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without Brown Insurance Services' express written consent.

Restricted access

Access to certain areas of this website is restricted. Brown Insurance Services reserves the right to restrict access to areas of this website, or this entire website, at Brown Insurance Services' discretion.

If Brown Insurance Services provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.

Brown Insurance Services may disable your user ID and password in Brown Insurance Services' sole discretion without notice or explanation.

No warranties

This website is provided “as is” without any representations or warranties, express or implied. Brown Insurance Services makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, Brown Insurance Services does not warrant that: 

  • this website will be constantly available, or available at all; or
  • the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind.

Limitations of liability

Brown Insurance Services will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

  • for any indirect, special or consequential loss; or
  • for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if Brown Insurance Services has been expressly advised of the potential loss.

Exceptions

Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit Brown Insurance Services' liability in respect of any:

  • death or personal injury caused by Brown Insurance Services' negligence;
  • fraud or fraudulent misrepresentation on the part of Brown Insurance Services; or
  • matter which it would be illegal or unlawful for Brown Insurance Services to exclude or limit, or to attempt or purport to exclude or limit, its liability.
Reasonableness

By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.

If you do not think they are reasonable, you must not use this website.

Other parties

You agree that the limitations of warranties and liability set out in this website disclaimer will protect Brown Insurance Services' officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as Brown Insurance Services.

Unenforceable provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

Indemnity

You hereby indemnify Brown Insurance Services and undertake to keep Brown Insurance Services indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Brown Insurance Services to a third party in settlement of a claim or dispute on the advice of Brown Insurance Services' legal advisers) incurred or suffered by Brown Insurance Services arising out of any breach by you of any provision of these terms and conditions.

Breaches of these terms and conditions

Without prejudice to Brown Insurance Services' other rights under these terms and conditions, if you breach these terms and conditions in any way, Brown Insurance Services may take such action as Brown Insurance Services deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

Variation

Brown Insurance Services may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.

Assignment

Brown Insurance Services may transfer, sub-contract or otherwise deal with Brown Insurance Services' rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.

You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.

Severability

If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.

Entire agreement

These terms and conditions constitute the entire agreement between you and Brown Insurance Services in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.