WEBSITE PRIVACY POLICY

Ohio Bar Liability Insurance Company  (together with its subsidiaries and affiliates, “OBLIC,” “we,” “us” or “our”) respects the privacy of its customers and the visitors and users of its website. This Privacy Policy is intended to inform you of our policies and practices regarding the collection, use and disclosure of any Personal Information (as that term is defined below) we obtain about you based upon your use of our website, products or services. Your privacy is important to us, and we pay close attention to the use and sharing of Personal Information.  You should read this policy before providing any information to us, as it describes the information we gather, how we use and disclose that information and the measures we take to protect it.

By visiting our websites or using our products or services, you agree to the terms of this Privacy Policy.

You expressly consent to the use and processing of your Personal Information as described in this Privacy Policy. Personal Information may be processed by us or our affiliates and service providers or other third parties in the United States, the country where it was collected as well as other countries where laws regarding processing of Personal Information may differ from those in the United States.

INFORMATION WE COLLECT

In providing our products and services to you, we may collect the following types of information:

“Personal Information,” or information about you that may be used to identify you or that can uniquely be associated with you, such as your name, address, e-mail address, phone number and other non-public information relating to such information, as well as other personal information that you provide to access our products and services.

You may choose to directly disclose Personal Information through this Site, for example by submitting information in forms appearing on the site or by communicating with us through our “Contact Us” features, or by inquiring about or applying for our products and services.

We may act as a service provider to our affiliates and may process and store Personal Information on behalf of our affiliates that our affiliates collect about individuals, including you. We may not own that Personal Information.

We may gather navigational information during each visitor’s use of our site. In the process of gathering navigational information, certain information (e.g., domain type, browser version and service provider and the like) may be collected. The navigational information tells us about the use of our site by visitors, including the areas of our site that are most visited or the time of a last visit to a page on our site. It also tells us about the technical efficiencies of our site and services (e.g., the time it takes a visitor to connect to our site or download pages). The navigational information helps us better understand a visitor’s experience and improve upon that experience by recognising and delivering more of the features, services and products our visitors prefer. We may provide this statistical information to third parties, but such information is not combined with personally identifying information without your consent.

You are responsible for ensuring the accuracy of the Personal Information that we collect from you. Inaccurate information will affect the use and effectiveness of our products and services and our ability to contact you.

Our servers may automatically collect information, such as Internet Protocol (IP) addresses, browser type, pages visited, access times, duration of visit, referring URL, platform, links accessed, timestamp and exit page information (“Automated Information”) with respect to each visitor to the websites, whether or not such visitor is a logged-on user.

We may receive Personal Information about you from other sources and media, or from other parties such as vendors and third party service providers. We may add this information to the information we have already collected about you in order to improve our products and services.

HOW WE USE AND DISCLOSE INFORMATION

In general, we use information collected, including Personal Information, to provide our products and services, to respond to requests that you make, to inform you of other products or services available from us or our affiliates, to conduct research about your opinion of our services, to process transactions and to enable us to serve you more effectively. We do not use or disclose your Personal Information except as described in this Privacy Policy or as required by law or legal process.

We may access or disclose your Personal, with or without notice, if we believe such action is necessary to: (a) comply with the law or legal process served on us; (b) protect and defend our rights or property (including the enforcement of agreements between you and us); or (c) act in urgent circumstances to protect the personal safety and welfare of our customers or members of the public, to the extent permitted by applicable law.

We may also use the Personal Information and Personal Health Information that we obtain from you or from other sources

To Provide and Improve Our Website, Products and Services

We use the information that you provide for such purposes as responding to your requests, improving our website, products and services, and communicating with you. We may use your information to deliver information to you that, in some cases, is targeted to your interests.  We may ask you to provide us voluntarily with additional information regarding your personal or business interests, experience or requests, which we may use to customise our service for you.We may combine your information with information that we collect from other sources (such as demographic data) to improve and personalize services. We may collect information for auditing, research and analysis in order to maintain, protect and improve our websites, products and services.

To Track Site Traffic Information

As you navigate our websites, we may collect certain passive information, including your IP address, browser type and operating system. We may use your IP address to monitor your use of the site. We may also use cookies and navigational data such as Uniform Resource Locators (URL) to gather information regarding the date and time of your visit and the solutions and information for which you searched and viewed. This type of information is collected to make our solutions and services more useful to you. We may use both session Cookies (which expire once you close your web browser) and persistent Cookies (which stay on your computer until you delete them). While you will still be able to use our websites if you disable Cookies in your browser, certain parts of our websites may not function as effectively. After you register and enable Cookies, we may associate this information with personal information that we have collected from you.

Clear GIFs (also known as web beacons) are used in combination with cookies to help Site operators understand how visitors interact with their web sites. A clear GIF is typically a transparent graphic image (usually 1 pixel x 1 pixel) that is placed on a site. The use of a clear GIF allows the Site to measure the actions of the visitor opening the page that contains the clear GIF. We may utilize clear GIFs to measure visitor behavior, to help us improve visitor experience and to manage site content. We may use clear GIFs on this Site, in our emails, in our advertisements on other web sites, or in our advertisements in others’ emails.

In addition, we may use non-business IP addresses and other Automated Information collected to track aggregate information regarding website traffic. One of the uses for which this data may be gathered is for statistical purposes so that we may analyze trends and performance over time.

To Transfer Information for Legal Purposes

We may need to disclose certain information to comply with a legal requirement (such as a law, regulation, court order, subpoena or search warrant) in the course of a legal proceeding or in response to a law enforcement agency request. If we undergo a change of control (whether by merger, sale or otherwise), or a sale or transfer of our stock, assets or business, Personal Information could be sold or transferred as part of that transaction and your Personal Information could be used by the purchaser or other recipient of such information. We also may use or disclose information to resolve disputes, investigate problems, or enforce our Terms of Use,  purchase agreements, or other agreements we may enter with you. At times, we may review the status or activity of multiple users to do so.

For Data Aggregation

We may disclose aggregated, non-personal data generated from our websites, products and services to third parties. Depending on the circumstances, we may or may not charge third parties for this aggregated, non-personal data. You grant us the right to accept payment or other remuneration for such data. We require parties with whom we share aggregated, non-personal data to agree that they will not attempt to make this information personally identifiable.

For Use With Third Parties

We may hire third parties to provide services on our behalf, such as performing statistical analysis, assisting us in providing our products and services, developing websites and answering customer service and billing questions. We will give those third parties only the Personal Information they need to deliver the service for which they have been hired. We may also share your Personal Information with service providers or other third parties in order for them to provide you with offers that we think you will find valuable. We will require such third parties to maintain the confidentiality of any information we provide.

To drive traffic to your website and to make your website easier to find, we will disclose keywords about your business, your business name, general and specific descriptions about your business, information about your location, and information about your products and services to third-party services and to the general public.

We may also use third parties to maintain and store your Personal Information to process any payment you make to us. Generally, these third parties are required not to use your Personal Information other than to provide the services requested by us.

For Use By Subsidiaries and Affiliates

We have subsidiaries and other companies under a common control (collectively, “affiliates”). We may share some or all of your Personal Information with these affiliates, in which case we will require them to honor this Privacy Policy.

SHARING YOUR INFORMATION

If you grant access to your Personal Information to other individuals, websites or health care professionals, these other individuals, websites or other service providers, others will be able to access your information and store a copy of it. Any copies of your information will be governed by that individual’s, website’s or other party’s privacy policy. Others may be able to view your information from such copies. If you do not want information about you, including Personal Information, to be shared in this manner, do not use this feature. You may disconnect your account from a third party account at any time. We are not responsible for the use of your information by others to whom you grant access to such information.

PROTECTING THE CONFIDENTIALITY AND SECURITY OF INFORMATION

We are committed to protecting the security of your information. We have adopted commercially reasonable security measures consistent with industry practice that are designed to assist in protecting against the loss, misuse and alteration of your Personal Information which is under our control. As you know, no security system or system of transmitting data over the Internet can be guaranteed to be 100% secure. Accordingly, you should not expect that any information provided to us or to any third party will always remain private.

DO NOT TRACK BROWSER SETTINGS

Some browsers incorporate a Do Not Track feature that signals to websites you visit that you do not want to have your online activity tracked. Tracking is not the same as using or collecting information in connection with a single website. For these purposes tracking refers to collecting personally identifiable information from consumers who use or visit a website or online service as they move across different websites over time.

How browsers communicate the Do Not Track signal is not yet uniform. As a result, we may not interpret or respond to Do Not Track signals communicated by your browser. Even so, as described more fully throughout this Privacy Policy, we limit our use and collection of your personal information.

For a description of Do Not Track protocols for browsers and mobile devices, or simply to learn more about the choices available to you, you can visit the All About Do Not Track website: https://allaboutdnt.com/.

HOW TO UNSUBSCRIBE

Should you decide to stop receiving e-mail communications or newsletters from us, you will have the opportunity to “opt-out” by following the unsubscribe instructions provided in the e-mail. If at any time you wish to unsubscribe from any communications from us, you may do so by contacting us at contactus@oblic.com. Despite your indicated e-mail preferences, we may send you e-mail regarding updates to legal notices applicable to the account you created with us. From time to time, we may contact you by telephone to offer you products or services which we believe may be valuable to you. Should you prefer not to receive such calls, please advise the representative who contacts you or contact customer care at contactus@oblic.com.

From time to time we may contact you to offer products or services that we believe may be valuable to you.  Should you prefer not to receive such calls, please so advise the representative who contacts you.

PRIVACY OF MINORS

We do not knowingly collect or maintain information provided by children under the age of majority in their jurisdiction of residence, and in any event does not knowingly collect information provided by or relating to children under the age of 13. If a child has provided us with personally-identifying information without parental or guardian consent, the parent or guardian should contact us and we will remove the information.

LINKS TO OTHER SITES

Our provision of a link to any other website or location is for your convenience and does not signify our endorsement of such other website or location or its contents. We have no control over, do not review, and cannot be responsible for these outside websites or their content. Please be aware that the terms of our Privacy Policy do not apply to these outside websites.

CONTACT US

Should you have any questions or concerns regarding this Privacy Policy, please contact us as follows:

P.O. Box 2708
Columbus, Ohio 43216-2708

contactus@oblic.com

PRIVACY POLICY UPDATES

We may revise this Privacy Policy at any time, in our sole discretion, by posting an amended Privacy Policy on our websites. Any changes that we make to this Privacy Policy will be effective immediately upon posting. You should check this page periodically for changes to the Privacy Policy. If you object to any such changes, you must cease using our website, products and services. Continued use of our website, products or services following notice of any such changes shall indicate your acknowledgment of such changes and agreement to be bound by the terms and conditions of such changes.

NOTICE FOR CALIFORNIA USERS

A business subject to California Civil Code section 1798.83 is required to disclose to its California customers, upon request, the identity of any third parties to whom the business has disclosed personal information within the previous calendar year, along with the type of personal information disclosed, for the third parties’ direct marketing purposes.  If you are a California resident and would like to make such a request, please send an email to contactus@oblic.com.

In addition, if you are a resident of the State of California you may have the right in certain circumstances to request from us a list of types of third parties to which we, during the immediately preceding calendar year, have disclosed certain personally identifiable information for marketing purposes.  You also may request that we provide to you the information we have gathered regarding you, or that we delete information regarding you.  We are only required to respond to a customer request once during any calendar year.  If you are a resident of California and would like to obtain this information, you can send a request to contactus@oblic.com with the heading “California Privacy Rights.” In your request, please attest to the fact that you are a California resident and provide a current California address.  In addition, if you are a California resident you may request that we not sell your personal information by transmitting a written request specifically stating “Do Not Sell My Information” via the contact form.  Not all information sharing is covered by the California privacy rights requirement and only information on covered sharing will be included in our response.

The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted by email at dca@dca.ca.gov, in writing at Department of Consumer Affairs, Consumer Information Division, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

ADDITIONAL RIGHTS

You may have other privacy protections under applicable law. To the extent these laws apply, we will comply with them when we share information about you.

Effective as of:  July 10, 2019