Terms and Conditions of Use

 

Legal Disclaimer

The information contained in this web site is for general information purposes only and is provided on an "as is" basis without any warranties of any kind that the material is suitable for your needs, error free or otherwise. Though an effort has been made to provide complete information, USA Risk Group assumes no liability for the completeness of the information provided in the web site. USA Risk Group will not be liable to anyone for damages in connection with use of the contents of its website.

 

Proprietary Information

The information contained in the pages of this site is the sole property of USA Risk Group. All information at this site is protected under the copyright laws of the U.S., Canada and in other countries. This information may not be reproduced, in whole or in part, without the written express consent of USA Risk Group. Unauthorized public or commercial use, downloading, storage in any medium, retransmission, redistribution or other reproduction or modification of trademarks or information contained in this site is prohibited and may be a violation of such laws, including trademark or copyright laws and could subject the user to legal action.

 

Trademark and Copyright Ownership

The materials on this site, including copyrighted material, service marks, trademarks, and trade names, are owned by USA Risk Group. Using any materials from this site is prohibited; however, may print, link or download a reference copy for your own personal or non-commercial use provided that you do not remove our copyright, trademark or other legal notices. Any other modification or use of the materials on this site violates proprietary rights.

 

E-mail Disclaimers

USA Risk Group follows the CAN-SPAM Act main requirements for all business e-mail communications. This includes not using false or misleading header information or deceptive subject lines. Our physical address is provided on all e-mail footers as well as a link to opt-out of receiving future e-mail communications, which we honor immediately.

E-mails sent on behalf of USA Risk Group and affiliates may contain proprietary, confidential or privileged information intended solely for the addressee. If you are not the intended recipient, any use, copying disclosure, dissemination or distribution is strictly prohibited. If you received the message in error, please notify the sender immediately by return E-Mail, delete the communication and destroy all copies.

The information contained in the email communication, including attachments, is privileged and confidential. It is intended only for the exclusive use of the addressee. If the reader is not the intended recipient, or the employee, or the agent responsible for delivering it to the intended recipient, you are hereby notified that any dissemination, distribution or copying of the communication is strictly prohibited. If you have received the email communication in error please notify USA Risk Group’s Privacy Coordinator by return email or telephone immediately.

 

Foreign Account Tax Compliance Act (FATCA)

USA Risk Group is a subsidiary of Spencer Capital Holdings. Spencer Capital Holdings will share information about our compliance with the Foreign Account Tax Compliance Act (FATCA). This can include foreign financial institutions and certain other non-financial foreign entities report on the foreign assets held by their U.S. account holders.

 

USA Risk Group Privacy Policy

 

Privacy Policy

USA Risk Group strives for transparency and trust when it comes to protecting your privacy, and we seek to explain clearly how we collect and process your personal information.  It is important to us that you should use our services and websites without compromising your privacy.  This policy outlines how we collect and use different types of personal and behavioral information, and the reasons for doing so. We obtain your personal information by your informed consent; or as necessary for the performance of contact for the services we are to provide; or by virtue of a contact made with others in your interest. You have the right to access, change or delete your personal information at any time.  You can get in touch directly with our Privacy Team, their details are included in our “Contact Us” section.  Our privacy policies may be updated from time to time.  Please refer back regularly to keep yourself updated.

Sections in this policy include:

  • Information we collect.
  • How we use your information.
  • How we work with third parties.
  • Retaining and storing your information.
  • Security measures  to protect your information.
  • Your rights concerning your data.
  • Contact us.
  • Who we are. 

  

Information We Collect 

 
Website

We collect, process and store personal data that is provided by the web visitor via our secure content management system. This data can include first and last name, email address, company name and job title as well as the industry of the user’s company. This data is obtained by user opt-in on our website and is used for direct marketing campaigns sharing company news and updates relevant to the contact. Our content management and analytic system’s track our web visitors IP addresses, which is only assigned to a user after they provide personal data via our opt-in web forms.

 
In The Course of Providing Services

USA Risk Group provides services and products including captive formation consulting, captive insurance management services and reinsurance intermediary services. Personal information may be provided directly by you or by third party service providers, i.e. broker, agent, attorney, consultant. We may also need to obtain information from third parties such as insurance companies, brokers or agents, regulatory authorities, financial institutions and publicly available sources.

When USA Risk Group is contracted to provide services, we ask that you provide accurate and necessary information to respond to your request. When a visitor provides personal information to us, we use it for the purposes for which it was provided to us as stated at the point of collection, i.e. for reviewing insurance programs, applying for a position at USA Risk Group or creating a profile on our website.

In addition, to provide services to our clients, we may collect personal information such as name, contact information, date of birth, gender, marital status, financial details, employment details, criminal convictions, etc. in relation to captive insurance due diligence requirements as well as claimant/loss information.

 

How We Use Your Information

We process personal information which our clients and/or their service providers provide to us in order to perform our consultancy, management and reinsurance placement services. The purposes for which your personal information is processed will be determined by the scope and specifications of our client engagement, by applicable laws, regulatory guidance and professional standards. It is the obligation of our clients to understand that your personal information will be disclosed to USA Risk Group.

We process personal information to complete know your client checks and screenings, for client communication, billing and administration and for the financial statement preparation and regulatory compliance of our client companies.

We also utilize personal information for the purpose of contacting clients regarding current and future engagements, sending newsletters, event invitations and other marketing communications, due diligence for Officers, Directors and Key Management Personnel, as well as for job applicants and employees.

We do not sell, trade, or rent personal identification information to others. We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.

 

How We Work With Third Parties

USA Risk Group is an international organization and may transfer certain personal information across geographical borders to other USA Risk Group offices, authorized service providers or business partners in other countries working on behalf of our clients in accordance with applicable law.

When transferring data, we ensure transfers within USA Risk Group are covered by agreements based on EU Commission’s standard contractual clauses, obliging each member to ensure that personal information receives an adequate and consistent level of protection wherever it resides within USA Risk Group.

Where personal information is transferred outside of USA Risk Group or to third parties who help provide our products and services, we obtain contractual commitments from them to protect your personal information.

Where we receive requests for information from law enforcement or regulators, we carefully validate these requests before any personal information is disclosed.

 

Retaining and Storing Your Information

We retain and store personal data no longer than needed consistent with the purpose for which the data is processed.  Data no longer needed will be deleted or anonymized.

 

Security Measures to Protect Your Information

Personal data will be secured by appropriate technical and organizational measurers appropriate for the risk. USA Risk Group is committed to preserving the integrity and confidentiality of all information we hold and process. We are also committed to operating our website and online communications in compliance with the data protection legislation in all countries that we operate.

We recognize the importance of Personal Data and of respecting the privacy rights of individuals and we process the information as either a Data Controller for our own internal business operations, such as human resources, administration, marketing, sales etc. or as a Data Processor when carrying out our software-as-a-service (or “SaaS”) operations for our customers.

In accordance with GDPR, USA Risk Group takes responsibility of all USA Risk Group employees to apply the provisions of this Policy in relation to all Processing of Personal Data and handling of Confidential Information, whether USA Risk Group is acting as Data Processor. USA Risk Group will provide our employees with instructions for Data Processors.

USA Risk Group’s website and online communications complies with the EU-U.S. Privacy Shield Framework and the U.S.-Swiss Safe Harbor Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries and Switzerland. 

USA Risk Group has certified that it adheres to the Privacy Shield Principles of notice, choice, onward transfer, security, data integrity, access, and enforcement. 

To view USA Risk Group’s certification and learn more about the Privacy Shield program, please visit https://www.privacyshield.gov.

In the case of USA Risk Group marketing activities such as advertisement of our products and services on our website, we include a description of the communication channels that we intend to use. If any of those channels involve marketing by email, SMS, fax or automated calling systems, we will obtain the Data Subject’s consent by means of a suitable (reversible) opt-in provision.

Where we obtain Personal Data directly from the Data Subject as a result of a telephone call, or online capture, we give the notice to the Data Subject at the time we obtain their Data. Where we obtain Personal Data about a Data Subject from a third party source such as an agent or broker, we provide the data protection notice as soon as reasonably practicable after we have started Processing their Data.

 

Your Rights Concerning Your Personal Data

We recognize  the following rights you have to your personal data:

  • The right to be informed
  • The right of access
  • The right to rectification
  • The right to erasure
  • The right to restrict processing
  • The right to object
  • Rights in relation to automated decision making and profiling
  • The right to data portability

 


 

How to Contact Us

If you have questions or concerns pertaining to the privacy or security of your personal information, you can contact us at:

USA Risk Group Privacy Coordinator
2418 Airport Road, Suite 2A, Barre, VT 05641

800-USA-RISK

Info@USARISK.com 

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