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Privacy Policy
Grinnell Financial Group, and its affiliates and subsidiaries respect the privacy of our clients’ families and website visitors. We value our relationships with existing and prospective clients (“you”) and recognize that an essential element of those relationships is the trust and confidence you place in us to serve you and your family during your time of need.
This Privacy Policy applies to the Personal Information you provide to us or that we obtain on our websites and any mobile applications linking to this Privacy Policy (“Sites”). This Privacy Policy does not apply to Personal Information that you submit to websites belonging to our business partners or any other third parties or to any Personal Information that our business partners or third parties collect from you through the Sites, even if those third-party websites may be linked to our Sites.
Personal Information. “Personal Information” means information that identifies, relates to, is reasonably capable of being associated with, or describes, directly or indirectly, a particular individual, such as name, address, email address, or phone number.
User-Generated Content. This Privacy Policy does not apply to information you post online that is viewable to the public.
Information We Collect and How We Collect It
Information You Provide. We may collect and store the following Personal Information when you submit it: name, email address and phone number. We may use this information for typical business purposes (including auditing our interactions with our clients or Site visitors, for internal reporting purposes, or security and anti-fraud purposes) and as described more specifically below:
Personal Identifiers. We receive personal identifiers that you provide to us (such as your name, address, phone number, email address, billing address, shipping address, date of birth, insurance policy number, signature, and social security number in certain instances) and use them to respond to your requests; to create new member accounts at your request; to communicate with you for marketing and informational purposes (you may opt out of receiving marketing emails from us at any time by emailing us).
Geo-Location Information. Some of the information we collect, such as Internet Protocol (“IP”) addresses, may be used to estimate an approximate location of the device you are using to access our Sites in order to enhance and personalize the features and functionality of our Sites, including our mobile applications, and service offerings.
De-identified or Aggregated Information. We may de-identify or aggregate data and may use and disclose it for any business purpose.
Inferences Drawn from Personal Information. We may use the information you provide to create a profile about your preferences to offer you services in which we think you might be interested.
Medical Information. In connection with insurance applications, we may collect pertinent health condition and medical history of the insured individual to help facilitate a purchase and use of insurance coverage. We may forward the information we collect to the third-party insurance company so that the insurance company can provide insurance coverage to you.
Characteristics of Protected Classifications under State or Federal Law. To the extent permissible under applicable law, we may collect your age, gender, and ethnicity for the purpose of providing you service preferences and market services we think would be of interest to you.
Information we collect from business partners.
The Sites may also permit you to log-in and connect to the Sites with your social media account (such as Facebook), and we collect profile information about you from that social media website that you have made publicly available. We use this profile information for the same purposes as when we receive the information directly from you, as described above.
Information Collected Automatically Through the Sites. Like many website operators, when you access and use our Sites, we use cookies, log data, and similar technology to automatically record personal identifiers (such as your IP address and device identifiers), information about your device (such as your browser type, locale preferences, and mobile carrier) and information concerning your usage activity on the Sites (such as your interaction with our Sites, the link you used to reach our Sites, and content displayed on our Sites and on other websites and online services). We use the data to enable certain features of our Sites, preserve your preferences and customize your experience when you visit and return to the Sites, and to study, enhance and improve the use and capabilities of our Sites, content, and advertising.
Cookies: A “cookie” is a small data file that we transfer to your browser or mobile device. Most browsers provide controls allowing you to block receipt of cookies, to delete cookies, or to be prompted before cookies are received. Please note that, if you delete or choose not to receive cookies from our Sites, the functionality of the Sites may be impaired. To find out more about cookies, including how to manage or delete them, visit www.allaboutcookies.org.
We use third-party advertising services to serve advertisements on our behalf when you visit some of our Sites and other websites, third-party email services to send informational and marketing email to you, and third-party analytics services to help us understand and improve the usage of our Sites and the effectiveness of our marketing efforts. In some situations, we permit the companies providing these services to set and access cookies (and use similar data tools, such as “pixel tags” or “web beacons”) through our Sites and our emails, and these companies may collect, for example, your personal identifiers (such as IP address, device and browser identifiers and characteristics, and anonymous identifiers) and information about your device (such as operating system and language preferences) and your usage activity on the Sites (such as your interaction with our Sites, the link you used to reach them, and the content and advertising displayed on them and our content and advertising on other websites and online services) and use this information to provide advertisements about services of interest to you on
our Sites and other non-affiliated websites and/or to provide analytical information for our Sites. Third-party companies also may collect and combine information about your online activities over time, on other devices, and on other websites or online services, if those websites and online services also use the same companies. Information about cookies and similar technology placed by third-party companies on our Sites and their related data practices is set forth below.
Analytics and Advertising Technologies
Our Site uses analytics technology to understand how users interact with the Sites, improve our web experience, and better market our services. Analytics services in use on our Site include Google Analytics. These analytics services use cookies and other tracking technologies to collect information about how you use the Sites. Personal Information collected by these analytics services (e.g., your IP address and other usage information) may be transmitted to and stored on servers in the U.S. (or elsewhere). See below for more information on your choices regarding analytics services.
You may choose not to receive some interest-based advertising by submitting opt-outs. Some of the advertisers and business partners that perform advertising-related services for us may participate in the Digital Advertising Alliance’s (“DAA”) Self-Regulatory Program for Online Behavioral Advertising and/or the Network Advertising Initiative (“NAI”). To learn more about how you can exercise certain choices regarding interest-based advertising, including use of cross-device data for serving ads, visit http://www.aboutads.info/choices/. To learn more about the NAI and your opt-out options for their members, see http://www.networkadvertising.org/choices/. Please remember that when you opt out of personalized advertising, you may continue to see online advertising on the Sites and/or our ads on other websites and online services.
Google Analytics
Our Sites use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses cookies or other tracking technologies to help us analyze how users interact with the Sites, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website.
The information generated by Google Analytics is subject to Google’s privacy policies, available here.
You may exercise choices regarding the use of cookies from Google Analytics by going to https://tools.google.com/dlpage/gaoptout or downloading the Google Analytics Opt-out Browser Add-on.
We also use advertising services provided by Google Ad Services. To learn more about the data Google collects for advertising and to opt out of certain ad targeting by Google, please visit here.
Online Tracking / Do-Not-Track Signals
Your web browser may have settings that allow you to transmit a “Do Not Track” signal when you visit various websites or use online services. Like many websites and online services, our services are not designed to respond to “Do Not Track” signals received from browsers. For more information about Do-Not-Track, please visit http://www.allaboutdnt.com.
Retention of Personal Information
We will retain your Personal Information for as long as it is necessary to fulfill the purposes for which it was collected, as set out in this Privacy Policy, unless a longer retention period is permitted or required by law. We will also retain your Personal Information as required to fulfil our legal obligations, resolve disputes, and enforce our legal agreements and policies. We may also retain Site usage data to improve the functionality of our Sites and destroy such data in accordance with our internal retention polices.
Protecting Personal Information
We employ reasonable security measures to secure and protect the information we receive. Please remember, though, that no method of electronic transmission or storage is 100% secure.
How We Share Personal Information
We may provide business partners, affiliates, and third parties with the Personal Information we collect (as described above) for our business purposes to assist us in providing services to you.
To Provide, Protect, and Improve Our Sites, and Services. We disclose Personal Information as necessary to operate our business, such as to third party service providers and affiliates in connection with providing services to you. We also may access, preserve, and disclose information if we believe that such action is necessary in our judgment to protect and defend our rights or property, or those of others. For example, we may provide information, including IP address information, to our service providers to protect the Sites, such as for fraud detection purposes.
To Comply with the Law and Legal Process. We may access, preserve, and disclose your Personal Information if required to do so by law or if we believe that such action is necessary in our judgment to comply with a legal obligation.
Other Sharing. We may share information as described above under “Information We Collect and How We Collect It,” and for other business purposes as otherwise explained in this Privacy Policy.
Social Features on Our Sites
Information You May Share with Social Networking Websites. The Sites may provide options allowing you to share information with social networking websites, such as Facebook. Their use of the information you share will be governed by their privacy policies, and we are not responsible for how they treat the information.
Links
The Sites may contain links to other websites, and other websites may link to the Sites. Please be aware that we are not responsible for the privacy practices of such other websites. Whenever you visit another website – via a link from the Sites or otherwise – you should review the privacy policy of that other website. This Privacy Policy applies solely to information provided or obtained on our Sites.
Privacy Rights
Certain jurisdictions impose specific legal requirements and grant privacy rights with respect to Personal Information, and we will comply with restrictions and any requests you submit as required by applicable law. You may be able to use the Sites to access and update the information that you have provided to us through your use of the Sites or otherwise.
Notification of Changes to Privacy Policy
We reserve the right to modify this Privacy Policy. Whenever we decide to update this Privacy Policy, notice of the change will be indicated by the “Last Updated” date at the top of this Privacy Policy. Nevertheless, you should review the Privacy Policy from time to time to be sure you are aware of the most recent version. Your use of the Sites after any update to this Privacy
Policy will constitute your acceptance of the changes. Please be assured that we will only use Personal Information in accordance with the Privacy Policy in effect at the time the information was collected.
How To Contact Us with Questions
Your questions, comments and feedback are very important to us. For privacy-related questions, write to us at:
301 S Ham Lane Suite E
Lodi, CA 95242
Disclosure
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.
Terms of Use
Terms of Use
All information available through this website is the property of Grinnell Financial Group (the “Company”) or its Information Providers and is protected by copyright and intellectual property laws. All rights reserved.
You may not reproduce, retransmit, disseminate, sell, publish, broadcast, nor shall the information be used in connection with creating, promoting, trading, or marketing financial instruments or products without the express written consent of v or its licensors. You are entitled to use the information it contains for your private, non-commercial use only.
Grinnell Financial Group operates this website (the “website”) to provide information, related features and services (the “Service”). The terms and conditions set forth herein (the “Terms of Use”) constitute a legally binding agreement between the Company and you regarding the terms on which the Company offers you access to Service.Please take a few minutes to review the Terms of Use. By accessing and using this website, you agree to be bound by each of the Terms of Use and all applicable laws and regulations governing the website. If you do not agree with any of the Terms of Use, you are not authorized to access or use this website for any purpose.
- Contents not intended for distribution or use where prohibited
The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject the Company to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained in this website constitutes a solicitation or offer by the Company to buy or sell any securities, futures, options or other financial instruments or provide any investment advice or service.
2. These terms of use may change without prior notice
The Company reserves the right to modify these Terms of Use at any time without giving you prior notice. Your use of the website following any such modification constitutes your agreement to follow and be bound by the Terms of Use as modified. For this reason, we encourage you to review these Terms of Use whenever you use this website. The last date these Terms of Use were revised is set forth below.
3. Notices of restrictions on your use
The Service, the website and all data and information and/or content that you see, hear or otherwise experience on the website (the “Content”) belongs to the Company, its partners, affiliates, contributors or third parties and may be protected by U.S. and international copyright, trademark, intellectual property and other laws. Content provided by third-parties is used on the website with the permission of such third-parties.
You may download, print and store selected portions of the Content, provided that you (1) do not copy or post the Content on any network computer or transmit, distribute, publish or broadcast the Content in any media, including without limitation, a website; and (2) do not modify or alter the Content in any way, or delete or change any copyright or trademark notice. No right, title or interest in any copied or downloaded Content is transferred to you as a result of any such copying or downloading. The Company reserves complete title and full intellectual property rights in any Content you copy or download from this website.
You agree not to alter, modify, reformat, copy, download, reproduce, duplicate, display, distribute, repost, transmit, publish, license, sell, rent, transfer, or create derivative works from any Content obtained from the website or the Service, except as expressly permitted by these Terms of Use. Moreover, you may not use any of the marks appearing throughout this website without express written consent from the trademark owner, except as permitted by applicable law.
4. Disclaimer of warranties
By agreeing to grant you access, the Company does not obligate ourselves to do so or to maintain this site, or to maintain it in its present form, and we expressly reserve the right to modify, suspend or terminate your access privileges. You agree and understand that we may, in our sole discretion and without any prior notice, close this website or deny you access to it and delete any files which you may maintain at this site and any information which you may choose to post here.
THE INFORMATION ON THIS WEBSITE IS PROVIDED “AS IS.” YOU EXPRESSLY AGREE TO ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE WEBSITE AND THE SERVICE. THE COMPANY MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE WEBSITE OR THE SERVICE. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT, WITH REGARD TO THE WEBSITE, THE SERVICE, OR ANY INFORMATION OR CONTENT CONTAINED THEREIN (INCLUDING THIRD PARTY INFORMATION).
THE COMPANY SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY USE OF THE WEBSITE, THE SERVICE OR ANY INFORMATION OR CONTENT CONTAINED THEREIN (INCLUDING THIRD PARTY INFORMATION). IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL INFORMATION OR CONTENT PROVIDED BY THE WEBSITE OR THE SERVICE.
THE COMPANY DOES NOT WARRANT THAT THE FUNCTIONS PERFORMED BY THE WEBSITE OR THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS IN THE WEBSITE OR THE SERVICE WILL BE CORRECTED. THE COMPANY DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE INFORMATION OR CONTENT PROVIDED BY THE WEBSITE OR THE SERVICE, OR THAT ANY ERRORS IN THE INFORMATION OR CONTENT WILL BE CORRECTED. THE WEBSITE, THE SERVICE AND THE INFORMATION OR CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
5. Limitation of liability
IF YOU ARE DISSATISFIED WITH THE WEBSITE OR ANY CONTENT ON THE WEBSITE, OR WITH THE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE. YOU ACKNOWLEDGE, BY YOUR USE OF THE WEBSITE, THAT YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK.
YOU UNDERSTAND AND AGREE THAT UNDER NO CIRCUMSTANCES WILL THE COMPANY BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO, (I) ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF DATA, PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE WEBSITE, THE SERVICE, OR THE INFORMATION OR CONTENT PROVIDED THEREIN, (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE WEBSITE, THE SERVICE AND/OR INFORMATION OR CONTENT CONTAINED THEREIN OR DOWNLOADED THROUGH THE WEBSITE, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE WEBSITE OR THE SERVICE, OR (V) ANY OTHER MATTER RELATING TO THE WEBSITE OR THE SERVICE, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, THE COMPANY’S LIABILITY IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW.
- Personal information and Privacy Policy
- Click here (insert link) to see our Privacy Policy
- User Conduct
You agree not to take any action that interferes with the proper working of the website; imposes an unreasonable or disproportionately large load on the website’s infrastructure; might compromise the security of the website; render the website or the Service inaccessible to others; or otherwise cause damage to the website or any Content contained on the website. You agree not to add to, subtract from, or otherwise modify the Content on the website except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.
6. General Provisions
- Entire agreement. These Terms of Use constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. No waiver by the Company of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.
- Correction of errors and inaccuracies. The information in the website may contain typographical errors or other errors or inaccuracies and may not be complete or current. We therefore reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice. We do not, however, guarantee that any errors, inaccuracies or omissions will be corrected.
- No endorsements of links. Hypertext links to third-party websites or information do not constitute or imply an endorsement, sponsorship, or recommendation by the Company of the third party, the third-party website, or the information contained therein. You acknowledge and agree that the Company is not responsible for the availability of any such websites and that the Company does not endorse or warrant, and is not responsible or liable for any such website or the content therein. Any links to other sites are provided for convenience only. You need to make your own decisions regarding your interactions or communications with any other website.
- Enforcement. If any part of these Terms of Use is determined to be invalid or unenforceable, it will not impact any other provision of these Terms of Use, all of which will remain in full force and effect. These Terms of Use are governed by, and will be interpreted in accordance with, the laws of the State of California, without regard to any conflict of laws provisions. Although you acknowledge that we will have the ability to enforce our rights in any court of competent jurisdiction, you hereby consent to the exclusive jurisdiction and venue of courts in California, U.S.A., regarding any and all disputes relating to these Terms of Use, the Company’s Privacy Statement, your use of the Web Site, any other web site, the Service, or Content or Material contained therein.
7. User conduct
You agree not to take any action that interferes with the proper working of the website; imposes an unreasonable or disproportionately large load on the website’s infrastructure; might compromise the security of the website; render the website or the Service inaccessible to others; or otherwise cause damage to the website or any Content contained on the website. You agree not to add to, subtract from, or otherwise modify the Content on the website except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.
