At Strong Tower Insurance, we recognize that privacy is important. This policy applies to all of the services we offer, as well as those offered by our subsidiaries or affiliated companies, if any.
If you have any questions about this policy, please contact us through our website, www.mystrongtower.com or www.cyber-liability-insurance.net.
Information We Collect and How We Use It:
In order to provide our full range of services, we may collect the following types of information:
Information you provide
When you engage us to provide insurance services, we will ask you for personal information (such as your name and email address). If you decide to request an insurance quote through Strong Tower Insurance, we will also request certain personal information (such as your Social Security number or birth date and account information), which we maintain in encrypted form on secure servers. We may combine the information submitted under various forms and services in order to provide customers with a better experience and to improve the quality of our services. For certain services, we may give customers the opportunity to opt out of combining such information.
When you send email or other communication to us, we may retain those communications in order to process your inquiries, respond to your requests, and improve our services.
- Providing our insurance services to users
- Auditing, research, and analysis in order to maintain, protect, and improve our services
- Ensuring the technical functioning of our network
- Developing new services
Choices for Personal Information
When you sign up for a particular service that requires registration, we ask you to provide personal information. If we use this information in a manner different than the purpose for which it was collected, then we will ask for your consent prior to such use.
If we propose to use personal information for any purposes other than those described in this Policy and/or in the specific service notices, you may “opt-out”—or say no to—having your information shared by calling 800-329-0093 or contacting us through our contact page. We will not collect or use sensitive information for purposes other than those described in this Policy and/or in the specific service notices, unless we have obtained your prior consent.
If you do choose to decline to submit personal information to any of our services, there may be some instances in which we may not be able to provide those services to you.
Strong Tower Insurance only shares personal information with other companies or individuals outside of Strong Tower Insurance in the following limited circumstances:
- We have your consent. We require opt-in consent for the sharing of any sensitive personal information.
- We have a Good Faith Belief that access, use, preservation, or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable Terms of Service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against imminent harm to the rights, property, or safety of Strong Tower Insurance, its users, or the public as required or permitted by law.
We may share with third parties certain pieces of non-personal information, such as the number of users who searched for a particular term, for example. Such information does not identify you.
We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure, or destruction of data. These include internal reviews of our data collection, storage, and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data.
We restrict access to personal information to our employees, contractors, and agents who need to know that information in order to operate, develop, or improve our services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution if they fail to meet these obligations.
We process personal information only for the purposes for which it was collected and in accordance with this Policy or any applicable service-specific privacy notice. We review our data collection, storage, and processing practices to ensure that we only collect, store, and process the personal information needed to provide or improve our services. We take reasonable steps to ensure that the personal information we process is accurate, complete, and current, but we depend on our users to update or correct their personal information whenever necessary.
Our Intellectual Property is for Your Non-commercial Use
Our intellectual property is provided for your information, so we want you to feel free to access our website, download, save, and/or print any information you need. However, just as you protect your property from theft and inappropriate use, we need to protect our intellectual property from similar harm. All of the materials on this website, including the organization and layout of this website and all graphics and logos, are owned and copyrighted by Strong Tower Insurance. You may access, download, and print materials from this website for your personal noncommercial use, but understand that by doing so you do not obtain any rights, interest, or title to the materials you read, print, or download. You cannot copy, modify, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, link to, or frame in another website or use on any other website, or transfer or sell any information obtained from this website without written permission from Strong Tower Insurance. Note that all information on our website is designed and intended for “human consumption” and not machine interpretation. Accordingly, data extraction techniques such as web or screen scraping are strictly prohibited.
No Unlawful or Prohibited Use
By using this website, you warrant to Strong Tower Insurance that you will not use this website or any of its contents for any unlawful use, or any use that is otherwise prohibited pursuant to these terms. Any violation of this provision will result in prompt revocation of our permission granted to you to use this website.
Links to Third-Party Sites
Testimonials on this website are a representation of “typical” customer experiences. Individual experiences, satisfaction, and cost savings often differ from our typical customer. Customer names and towns may have been changed to honor their privacy.
We reserve the right to change these terms at any time, without notice to you. All changes are effective immediately upon being posted on this website, and you are deemed to have accepted such changes by virtue of your use of this website. Therefore, we advise you to review these terms on each occasion you access our website.
All information, services, products, or other material on this website are provided “as is” without warranty of any kind. In no event shall Strong Tower Insurance, its affiliates, suppliers, and/or its agents be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with the use of this website or with the delay or inability to use this website, or for any information, products, materials, and/or services obtained through this website, or otherwise arising out of the use of this website, whether based on contract, tort, strict liability, or otherwise, even if Strong Tower Insurance, its affiliates, suppliers, or any of its agents has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.
- Business Interruption
What is Business Interuption?
Business Interruption Insurance, also known as Business Income Insurance, may cover a loss of revenue that a company experiences after a covered loss. For example, if a fire damages a company’s building and inventory requiring them to shut down while repairs are made and inventory is replaced, Business Interruption Insurance may cover lost revenue during the shutdown.Find Out More ►
- Cyber Liability
What is Cyber Liability?
We agree to pay on your behalf all sums which you become legally obliged to pay… as a result of any claim first made against you… for any third party financial loss arising directly from a hacking attack or virus that has emanated from or passed through your computer systems…Find Out More ►
- Privacy Liability
What is Privacy Liability?
We agree to pay on your behalf all sums which you become legally obliged to pay… as a result of any claim… arising out of a security breach which results in: a) an actual or suspected breach of any personally identifiable information (PII), including credit card information, or personal healthcare information (PHI); or b) your failure to adequately warn affected individuals or provide a timely breach notification; or…Find Out More ►
- System Damage
What is System Damage Coverage?
We agree to pay on your behalf rectification costs… which you incur: a) in retrieving, restoring or replacing data… that has been lost or damaged; or…Find Out More ►
- Reputational Harm
What is Reputational Harm Coverage?
We agree to reimburse you for your reduction in profit… as a direct result of the loss of current or future customers caused by damage to your reputation as a result of a system outage or security breach…Find Out More ►
- Regulatory Actions
What is Regulatory Actions Coverage?
We agree to pay on your behalf all costs and expenses and any resultant fines and penalties as a result of a regulatory investigation first initiated against you in writing and notified to us during the period of the policy arising out of an actual or suspected security breach.Find Out More ►
- Notification Costs
What are Notification Costs?
We agree to pay on your behalf all sums reasonably incurred… as a result of an actual or alleged security breach first discovered during the period of the policy to: a) fulfill any obligation you have to notify any third party or employee, including but not limited to the legal costs to draft appropriate notices for any third party or employee affected by the actual or suspected breach of privacy…Find Out More ►
- Third Party Notification Costs
What are Third Party Notification Costs?
In the event that you experience a security breach… that creates a legal obligation for your client to notify affected individuals… we agree to pay on your client’s behalf all sums reasonably incurred… to fulfill any obligation they have to notify any third party…Find Out More ►
- Computer Crime
What is Computer Crime Coverage?
We agree to reimburse you for loss… as a direct result of any third party committing: a) any unauthorized electronic funds transfer; or b) theft of money or other financial assets from your bank account…Find Out More ►
- Identity Theft
What is Identity Theft Coverage?
We agree to reimburse you for loss… arising as a direct result of the fraudulent use or misuse of your electronic identity including the establishment of credit in your name, the electronic signing of any contract…Find Out More ►
- Cyber Threats and Extortion
What is Cyber Threats and Extortion Coverage?
We agree to reimburse you for all reasonable sums incurred as a direct result of a specific threat first made against you and notified to us during the period of the policy to: a) prevent access to your computer systems or any third party systems hosting your applications or data including cloud computing providers; or b) introduce a virus into your computer systems; or…Find Out More ►
- Telephone Hacking
What is Telephone Hacking Coverage?
We agree to reimburse you for loss… as a direct result of your telephone system being hacked by a third party…Find Out More ►
- Phishing Scams
What is Phishing Scams Coverage?
We agree to reimburse you in the event of fraudulent electronic communications or websites designed to impersonate you or any of your products …Find Out More ►
What is Defamation Coverage?
We agree to pay on your behalf all sums which you become legally obliged to pay… as a result of any claim first made against you… for any: a) defamation, including but not limited to libel, slander, trade libel, product disparagement, injurious falsehood; or…Find Out More ►
- Intellectual Property Rights
What is Intellectual Property Rights Infringement Coverage?
We agree to pay on your behalf all sums which you become legally obliged to pay as a result of any claim first made against you… for any: a) infringement of any intellectual property rights, including, but not limited to, copyright, trademark, trade dilution, trade dress, design rights, domain name rights, moral rights, service mark or service name, but not including patent; or…Find Out More ►
- Content Liability
What is Content Liability?
We agree to pay on your behalf all sums which you become legally obliged to pay… as a result of any claim first made against you for any negligent act, error, omission, advice, misstatement or misrepresentation arising out of media content or user generated content…Find Out More ►
- Technology Errors
What is Technology Errors and Omissions Coverage?
We agree to pay on your behalf all sums which you become legally obliged to pay… as a result of any claim first made against you… arising out of any act, error, omission or breach of contract in the provision of your technology services.Find Out More ►
- Court Attendance Costs
What is Court Attendance Costs Coverage?
We agree to reimburse you… for your reasonable costs incurred to attend court or any tribunal, arbitration, adjudication, mediation or other hearing…Find Out More ►
- Crisis Communications Costs
What is Crisis Communications Costs Coverage?
We agree to pay costs reasonably incurred… for the services of a public relations consultancy for the purpose of averting or mitigating damage to your reputation or brand…Find Out More ►