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Privacy and Security

TERMS AND CONDITIONS

The material provided on the ADVANTAGE GENERAL INSURANCE COMPANY LIMITED (ADVANTAGE GENERAL) website, including the information and any images incorporated in the site, is for your personal private non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain our consent. You agree not to engage in systematic retrieval of data or other content from advantagegeneral.com. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

It is very important that you read the next two sections carefully.

LIMITATION OF LIABILITY

ADVANTAGE GENERAL WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF ITS SITES. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF (OR INABILITY TO USE) THE SITES; (2) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM ITS WEBSITES; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, WE ARE NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES—OR BOTH.

IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITES.

DISCLAIMER

THE MATERIAL ON OUR SITES IS PROVIDED AS IS. THIS MEANS THAT ADVANTAGE GENERAL DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITES. THIS INCLUDES, BUT ITS NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT OUR SITES, OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (4) THAT INFORMATION CONTAINED IN THE SITES IS ACCURATE AS OF ANY PARTICULAR DATE.

We sometimes provide access to other World Wide Websites from our sites or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our sites or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the ADVANTAGE GENERAL site or have moved elsewhere.

By providing material on our website ADVANTAGE GENERAL does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. ADVANTAGE GENERAL is entitled to terminate all or part of any of its Websites at any time, without notice to you.

When you select a password and sign-up in order to access ADVANTAGE GENERAL's online policyholder services, you agree to the following conditions: ADVANTAGE GENERAL is authorized to act on instructions received under your password without any requirement to question those instructions; ADVANTAGE GENERAL is not liable for any unauthorized access to your personal information that is not directly due to the negligence of ADVANTAGE GENERAL;

Your password contains sensitive information and you will keep it confidential and secret;

You will notify ADVANTAGE GENERAL immediately if you believe anyone else has learned your password or if you believe an unauthorized access to ADVANTAGE GENERAL or your personal information has occurred or may occur;

ADVANTAGE GENERAL may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.

RETURN, REFUND AND CANCELLATION POLICY

Advantage General Insurance Company may cancel this Policy by sending ten days' notice by registered letter to the Insured at his last known address and in such event will return to the Insured the premium paid less the pro rata portion thereof for the period the Policy has been in force of the Policy may be cancelled at any time by the Insured on ten days' notice and (provided no occurrence which may give rise to a claim has arisen during the current Period of Insurance) the Insured shall be entitled to a return of premium less the premium at the Company's Short Period rates for the period the Policy has been in force.

PRIVACY

All information collected from users of our sites is subject to our Privacy Policy, which is incorporated by reference into this agreement.

JURISDICTION

Unless otherwise specified, the materials in our site are presented to provide information about ADVANTAGE GENERAL, our insurance products and the insurance business. ADVANTAGE GENERAL operates and controls its sites from the Company's head office located at 4 – 6 Trafalgar Road, Kingston 5, St. Andrew, Jamaica, and the laws of Jamaica shall govern and control any action concerning the ADVANTAGE GENERAL sites. We do not in any way imply that the materials on the sites or the products we refer to are available or for use outside Jamaica or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line request for a rate quote, policy management and renewal, tracking/reporting of claims: you are confirming that you are not a resident in any such jurisdiction.

By using the advantagegeneral.com website, you agree to these Terms and Conditions of Website Use.

MISCELLANEOUS

These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the laws of Jamaica, without giving effect to Jamaica's conflict of laws principles.

If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

ADVANTAGE GENERAL may modify these Terms and Conditions of Website Use, and the agreement they create, at any time, simply by updating this posting or the information on its website and without notice to you.

SECURITY POLICIES

ADVANTAGE GENERAL Secures Your Data.

At advantagegeneral.com, the privacy and security of customer data is as important to us as it is to you. Physical safeguards, procedural controls and data access controls protect your data from unauthorized access. We continually monitor our systems to prevent unauthorized attempts at intrusion.

OUR SECURITY

ADVANTAGE GENERAL's website uses strong, 128-256bit encryption and SSL, short for Secure Sockets Layer, a protocol for transmitting private information via the Internet. SSL uses a private key to encrypt data that is transferred over the SSL connection. This protocol is a standard used by many websites when you submit confidential information, such as credit card numbers and other personal data. SSL creates a secure connection between your browser and our server. Addresses of web pages using an SSL connection start with https: instead of http: and most browsers also display an icon of a closed padlock Description: GEICO is a secure sitewhen you visit a page using SSL.

In addition, the Policyholder Service Center portion of our website is only available to policyholders. It provides a private and secure environment to access policy and account information. To access features of our website such as quotes, policy, and billing information, you will need to use a security-enabled web browser, with 128-256bit encryption installed.

Note: Our web pages are designed for, and verified with, Microsoft Internet Explorer 6.x, Microsoft Internet Explorer 7.x, and Firefox 2.x. Presentation and layout of our pages is best appreciated using these browsers. Many other browsers will also work with our site.

We use the digital certificate services of GeoTrust so that you always know you are doing business with ADVANTAGE GENERAL.

YOUR SECURITY

Other things you can do to enhance your security whenever you are online include the following:

  • Use an Internet firewall (hardware or software).
  • Use current software and operating system versions; get updates and security patches regularly.
  • Use anti-virus software and download updates frequently.
  • Use your own PC.
  • Choose a hard-to-guess password; change your password regularly.
  • Use a unique Username/Password, not one you use on other websites.
  • Use strong 128-bit encryption available in the latest version of your browser.
  • When finished, logoff the website and close your browser.
  • For additional security, you can also clear your browser's cache and temporary Internet files

PRIVACY POLICY

ADVANTAGE GENERAL Respects Your Privacy

Protecting your privacy is very important to us. Policyholders like you have trusted us with their insurance needs for years, and we take our obligation to safeguard and secure your personal information very seriously. We want you to understand how we protect your privacy and when we collect and use your information.

Table of Contents

  • Summary
  • Data Collection
    • Information We Obtain From You
    • Information About Your Transactions
    • Information From Third Parties
    • Access and Correction of Personal Information
  • The Information We Disclose
  • Confidentiality and Security
  • Additional Information for Our Website Users
  • Changes to This Privacy Policy
  • What to Do If You Have Privacy or Security Concerns

Summary

This summary tells you the basics of our privacy commitment to you - how we collect and use your information, how we protect it, and who can see it. You should read the entire privacy policy below for full details.

  • We obtain personal information from you directly, from your transactions with us, and from third parties such as state motor vehicle departments.
  • We will not sell your information to third parties.
  • Any third parties who perform services for us are required to safeguard any customer information and may only use it in connection with performing those services.
  • We extensively secure and limit access to your information.
  • We protect information about potential, current, and former policyholders.

The Information We Collect

Non-public personally identifiable information ("Information") is information that identifies you and is not available to the general public. The following sections tell you more about how and when we collect your Information.

Information We Obtain From You

During the quoting, application, or claims handling processes you may give us Information such as your:

  • name
  • address
  • phone number
  • email address
  • taxpayer registration number
  • driver's license number
  • date of birth
  • credit card summary
    • card # (last 5 digits)
    • card holder
    • billing address

If you gave us your email address, ADVANTAGE GENERAL may use it from time to time to notify you about such things as new services, special offers, or to confirm transactions. If you do not wish to be contacted by email for non-policy related communications, you may unsubscribe by following the instructions at the bottom of any ADVANTAGE GENERAL email you receive.

If you are a policyholder, you can log in to your account at ADVANTAGEGENERAL.com, click on "Update Email Preferences" on the screen and choose the level of communication you'd like to receive from us. If you have not yet enrolled online, you will need to enroll with ADVANTAGEGENERAL.com to update your email preferences.

Information About Your Transactions

We may collect Information about your transactions and experiences with us and others, such as your payment history, claims, coverage, and vehicle changes.

Information From Third Parties

We may receive Information about you from consumer reporting agencies, which provide us with motor vehicle reports, claim reports, and/or credit information where permitted by law. When you ask for a rate quotation, we may obtain credit information if permitted by law.

Our sales and service representatives do not have access to the details of your credit information. Other companies who view your credit report will not see the ADVANTAGE GENERAL inquiry. It will be visible only to you. Our inquiry will not affect your credit score or credit rating. If you commit to purchase a policy with ADVANTAGE GENERAL, we will also confirm your motor vehicle record and claims history. As permitted by law, we may also review your motor vehicle record, claims history, and/or credit information in connection with any renewal.

Access and Correction of Personal Information

You have the right to access and correct the personal information that we have collected about you. Upon your request we will provide you with a notice of our insurance information practices that describes how those rights may be exercised.

We will take reasonable steps to verify the accuracy of the personal information in our records.

The Information We Disclose

Information about our customers or former customers will only be disclosed as permitted or required by law. Information about you that has been collected is maintained in your policy and/or claims records.

We use this Information to process and service your policy; to settle claims; with your consent; or as directed by you. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize. Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as Information about our current policyholders.

Following are some examples of how we may disclose Information:

We must exchange Information about you with our agents, investigators, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make.

When you are involved in a claim, policy information is provided to adjusters and the businesses that will repair your vehicle.

We may share Information with persons or organizations that we have determined need the Information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative functions. If the law permits, we may share Information with financial institutions with which we have a joint-marketing agreement. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided.

Information may be provided to organizations conducting actuarial research or audits. In this case, you will not be individually identified in any research report. The organization must agree not to re-disclose the Information and the Information will be returned to us or destroyed when it is no longer needed.

We may also share your Information for other permitted purposes, including:

  • with another insurance company if you are involved in an accident with their insured
  • with our reinsurers
  • with insurance-support organizations that detect and prevent fraud
  • with medical professionals or institutions in order to verify coverage or conduct operations or services audits
  • with government insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected
  • fraud or illegal activities
  • if ordered by a subpoena, search warrant or other court order

Confidentiality and Security

We restrict access to your Information to employees who we have determined need it in order to provide products or services to you. We train our employees to safeguard customer information, and we require them to sign confidentiality and non-disclosure agreements. We maintain strict physical, electronic, and procedural safeguards to protect your Information from unauthorized access by third parties.

Your Security is Important

Please see our Internet Security Policy for further information on how we protect your information on the Internet.

Additional Information for Our Website Users

We continuously improve advantagegeneral.com. We are interested in how visitors use our website, what they like and dislike, and where they have problems. We may gather data on how users navigate our site so we can make advantagegeneral.com an easy place to do business. Our tools may gather data such as what browser a person uses or even what pages are most popular.

We use cookies to improve your experience while using advantagegeneral.com. Cookies are small files that are stored on your computer. They do not contain any personally identifiable information about you. They help us personalize your experience when you return to our website, and they are required for certain portions of our website. Most browsers let you determine whether or not you accept our cookies. If you don't use cookies, you won't be able to use certain advantagegeneral.com features, such as the "remember me" function for policyholders that lets you store your User ID so you don't have to input it every time you log in from the same computer.

advantagegeneral.com may place small pieces of computer code (embedded objects) on our pages to help our advertising partners count how many customers they referred to our site. We may use these objects to track how many referred customers actually get a rate quotation. We may also use objects placed on other sites to monitor your exposure to our advertising or other offers online. These objects don't collect any personally identifiable information about you.

We also provide some links to third-party websites that are not owned by ADVANTAGE GENERAL. ADVANTAGE GENERAL has no control over their privacy practices and assumes no responsibility in connection with your use of their websites. We recommend that you check the privacy policy of any website before you provide any personally identifiable information.

Changes to This Privacy Policy

We may modify our privacy policy from time to time. The most recent version is always posted at advantagegeneral.com. Each of our policyholders receives a copy of our privacy policy at least once per year. In addition, in the event that we make a significant change to our privacy practices, we will send a revised copy of our privacy policy to each of our current policyholders.

What to Do if You Have Privacy or Security Concerns

If you have a concern about privacy or security at ADVANTAGE GENERAL, we want to hear about it by mail or email.

Please write to us at:
4-6 Trafalgar Road, Kingston 5, Jamaica
Or email us at privacypolicy@AdvantageGeneral.com.

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Advantage General Insurance Company (Jamaica) Limited
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