Privacy policy

Drury Insurance Group Privacy Policy

The following privacy policy covers all of the websites of the Drury Insurance Group and its subsidiaries and affiliates (collectively, "Drury Insurance Group") websites, the Mobile Services (as defined below) or desktop application services, software, or other materials or services made available on, from, or through the websites (collectively, the "Website(s)"). This policy does not, however, apply to entities that the Drury Insurance Group does not own or control, such as applications and websites using social media platforms. If you create a Drury Insurance Group account using Facebook or another third party social media service, or if you link your Drury Insurance Group account with any of these third party services, we may share your information with these third party services. This Privacy Policy applies only to information collected by the Website(s). Please read this policy. If you have any questions or suggestions regarding our privacy policy, please contact us. By using the Website(s) you understand and agree that Drury Insurance Group is providing a platform for you to post content, including photos, comments and other materials ("User Submissions") to the Website(s) and to share User Submissions publicly. This means that other users may search for, see, use, or share any of your User Submissions that you make publicly available through the Website(s), consistent with the terms and conditions of this privacy policy and Drury Insurance Group’s Terms of Use, which is incorporated by reference herein. If there is any conflict between this privacy policy and the Drury Insurance Group’s Terms of Use, the Terms of Use will supersede this policy.

Collection and Use of Aggregated Information

Drury Insurance Group creates aggregate reports on user demographics and traffic patterns. These aggregated statistics are used internally to better provide services to users of the Website(s) and may also be provided to advertisers, sponsors, and partners but they contain no individual personal information and cannot be used to gather such information. This allows Drury Insurance Group’s advertisers, partners, and sponsors to advertise more effectively, and allows our users to receive advertisements that are pertinent to their needs.

Ownership of Information

Drury Insurance Group is the sole owner of the information collected on the Website(s) which includes:

Your username, password and e-mail address when you register for an account on a Website.
Profile information that you provide for your user profile (e.g., first and last name, picture, phone number). This information allows Drury Insurance Group to help you or others be "found" on the Website(s).
User Submissions that you post to the Website(s).
Communications between you and Drury Insurance Group. For example, Drury Insurance Group may send you essential emails related to the Website(s) and your account (e.g., account verification, changes/updates to features of the Website(s), technical and security notices). Note that you may not opt out of e-mails related to essential updates on your account.
Drury Insurance Group may offer certain services that are available via a mobile device or app, including (i) the ability to upload User Submissions to the Website(s) via a mobile device, (ii) the ability to browse the Website(s) from a mobile device and (iii) the ability to access certain features through an application downloaded and installed on a mobile device (collectively, the "Mobile Services"). If you use the Mobile Services, Drury Insurance Group may store information regarding your mobile device, including your device type and operating system, the advertising ID of your mobile device, location services (if you grant permission), or in other applications as permitted by the functionality of such mobile device. In addition, Drury Insurance Group may access, collect, monitor, store on your device, and/or remotely store one or more "device identifiers." Device identifiers are small data files or similar data structures stored on or associated with your mobile device, which uniquely identify your mobile device. A device identifier may be data stored in connection with the device hardware, data stored in connection with the device's operating system or other software, or data sent to the device by Drury Insurance Group. A device identifier may deliver information to Drury Insurance Group or to a third party partner about how you browse and use the Website(s) and may help Drury Insurance Group or others provide reports or personalized content and ads. Some features of the Website(s) may not function properly if use or availability of device identifiers is impaired or disabled.

How We Use Your Information

Drury Insurance Group uses the information that you provide, or that Drury Insurance Group collects, to provide Drury Insurance Group’s services and features to you; to operate, maintain, and enhance the Website(s); to measure and improve the Website(s); to provide you with customer support; as well as to track user-generated content and users to comply as a service provider with the DMCA and other applicable laws. Drury Insurance Group uses the information to prevent potentially illegal activities. These efforts may on occasion result in a temporary or permanent suspension or termination of some functions for some users. Drury Insurance Group may contact you with announcements related to the Website(s) from time to time. You may opt out of all communications except essential updates on your account. Drury Insurance Group doesn't share your information with advertisers without your consent. Drury Insurance Group allows advertisers to choose the characteristics of users who will see their advertisements and Drury Insurance Group may use any of the non-personally identifiable attributes it has collected (including information you may have decided not to show to other users, such as your birth year or other sensitive personal information or preferences) to select the appropriate audience for those advertisements. Even though Drury Insurance Group does not share your information with advertisers without your consent, when you click on or otherwise interact with an advertisement there is a possibility that the advertiser may place a cookie in your browser or the advertising ID for the Mobile Services and note that it meets the criteria they selected. Drury Insurance Group may share User Submissions and your information (including but not limited to, information from cookies, log files, device identifiers, location data, and usage data) with businesses that are legally part of the same group of companies that Drury Insurance Group is part of, or that become part of that group (“Affiliates”). Affiliates may use this information to help provide, understand, and improve the Website(s) (including by providing analytics) and Affiliates’ own services (including by providing you with better and more relevant experiences); however, these Affiliates will honor the choices you make about who can see your photos.

Content and Metadata

The Website(s) are intended to share Content with others. "Content" includes the text, graphics, photos, sounds, music, videos, audiovisual combinations, and other materials you may view on, access through, or contribute to the Website(s). If you do not want us to store metadata associated with Website(s) you share on the Website(s) (such as photos), please remove the metadata before uploading the Content.

Exclusions

This privacy policy does not apply to any information collected by Drury Insurance Group other than information collected through the Website(s). This privacy policy shall not apply to any unsolicited information you provide to Drury Insurance Group through the Website(s) or through any other means. This includes, but is not limited to, Content or other information posted to any public areas of the Website(s), such as comments, any ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, “Unsolicited Information”). All Unsolicited Information shall be deemed to be non-confidential and Drury Insurance Group shall be free to reproduce, use, disclose, distribute and exploit such Unsolicited Information without limitation or attribution.

Comments

In order to enhance their use of the Website(s), users can choose to leave comments on particular articles of interest. Drury Insurance Group does not endorse these comments as they are opinions of users not associated with Drury Insurance Group or its employees.

Mailing List

Drury Insurance Group may launch a mailing list for some or all of the Website(s). In order to sign up to receive regular emails, newsletters and the like from a mailing list from one of the Website(s), users must submit information including, without limitation, a valid email address and demographic information such as location and interests. This information will be used in anonymous, aggregate form only in order to assess general user interest in various internal and third party products and services, and your personal and contact information will not be passed to any other organization. Users who choose to sign up for a mailing list will receive regular emails from the site, including new articles added to the site as well as emails from third party site sponsors. If you do not wish to receive emails from third party advertisers, do not sign up for the mailing list.

Public Forums

The Website(s) make chat rooms and message boards available to its users. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.

In order to enhance their use of the Website(s), users can choose to leave comments on particular articles of interest. Drury Insurance Group does not endorse these comments as they are.

Comments

Some of Drury Insurance Group’s business partners (for example, advertisers) may use cookies on the Website(s) or advertising IDs for the Mobile Services (collectively, "cookies"). However, Drury Insurance Group has no access to or control over these cookies, once we have given permission for them to set cookies for advertising. This privacy statement covers the use of cookies by Drury Insurance Group only and does not cover the use of cookies by any advertisers. In addition, the Website(s) use Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics and Drury Insurance Group’s business partners use cookies to help them analyze how users use the Website(s). The information generated by the cookie about your use of the Website(s) (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google and Drury Insurance Group’s business partners will use this information for the purpose of evaluating your use of the Website(s), compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google and Drury Insurance Group’s business partners may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s or Drury Insurance Group’s business partners’ behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, or by enabling the Do Not Track settings in your browser, however please note that if you do this you may not be able to use the full functionality of the Website(s). By using the Website(s), you consent to the processing of data about you by Google and Drury Insurance Group’s business partners in the manner and for the purposes set out above.

Third-Party Advertising

The ads appearing on Website(s) are delivered to users by third party advertisers including Google, among others. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other websites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, please click here. This site allows third-party companies to serve ads and/or collect certain anonymous information when you and other Internet users visit. These companies may use non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) during your visits to this site and other websites in order to provide advertisements about goods and services likely to be of greater interest to you. These companies typically use a cookie or third-party web beacon to collect this information. To learn more about this behavioral advertising practice or to opt-out of this type of advertising, you can visit networkadvertising.org. Users may opt out of behavioral targeting through the opt-out link www.aboutads.info/choices/. Program for Online Behavioral Advertising within advertising units that link to www.aboutads.info/choices/. Drury Insurance Group’s sites participate in the Digital Advertising Alliance’s (DAA) Self-Regulatory

Log Files

Like most standard website servers we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information. We may use a tracking utility that uses log files to analyze user movement.

Legal Disclosures

Drury Insurance Group may need to disclose personal information when required by law or legal process. Drury Insurance Group may also share information when it has a good-faith belief that such action is necessary: to comply with a current judicial proceeding, a court order or legal process served on any of the Website(s); to prevent fraud or other illegal activity; to prevent imminent bodily harm; or, to protect Drury Insurance Group and users from people violating this privacy policy.

Business Transitions

In the event Drury Insurance Group goes through a business transition, such as a merger, acquisition by another company, or sale of a portion of its assets, or if Drury Insurance Group declares bankruptcy, Drury Insurance Group may transfer your personal information as part of the assets transferred without notification to you.

Links

The Website(s) contain links to other sites. Please be aware that Drury Insurance Group has no control over and is not responsible for the privacy practices or content of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by Drury Insurance Group.

Notification of Changes

Whenever Drury Insurance Group changes its privacy policy, we will post those changes to this privacy statement, and other places we deem appropriate.

Violations of this Policy

Drury Insurance Group will terminate your access to the Website(s) if, under appropriate circumstances, Drury Insurance Group determines you violated this privacy policy.

Out-of-State Privacy Rights

This privacy policy, as well as all rules and agreements made by Drury Insurance Group, will be governed under the laws of the State of Missouri, without respect to its conflict of laws principles. However, if you are a resident of another state and have certain privacy requests, please put your request in writing and we will try to accommodate your request. Please note that we are under no legal obligation to accommodate you, since by using these Website(s) you agree to the personal jurisdiction and venue of St. Louis City, Missouri.

How Should a User Contact Drury Insurance Group?

If you suspect that Drury Insurance Group has handled your information in a manner that does not comply with this Privacy Policy, please contact us by e-mailing to info@drurygroup.com.