Privacy Policy

Personal Information
V3 Insurance Agency Inc. (“V3”, “we”, “us”, “our”) is a licensed insurance agency (formerly known as Total Resources Insurance Agency in California and formerly known as Affiliated Agency Operations Co. in other states) and respects the privacy of visitors to our website.

Definitions
A “consumer” is a person who seeks or obtains products or services from us for personal or business needs. Only a natural person may be a consumer. “Personal information” is information about a consumer that is not publicly available.

Information We Collect
We collect personal information from:

People who apply for insurance with us;
People who visit our website;
People whose insurance policies we underwrite or service;
People involved in claims under policies we underwrite or service;
Consumers who engage in transactions with us, our affiliates, our agents or others;
Consumer reporting agencies or insurance support organizations; and
Other third parties including but not limited to vendors and service providers.

Information we collect from an insurance-support organization may be kept by them. They may disclose it to others.

Information We Disclose
We do not disclose personal information, except as required or allowed by law. Sometimes we are allowed to disclose personal information without consent.

Examples of such disclosures include but are not limited to:

To a person who performs administrative, business, professional, or insurance functions for us;
To confirm eligibility for insurance benefits or payments;
To detect or prevent crime or fraud;
To insurers or other third parties that need it to perform an insurance function;
To insurers or other third parties so we can perform an insurance function;
To insurance regulators;
To law enforcement;
In response to subpoenas, search warrants or other court orders;
In connection with a sale of our business;
To an affiliate who is auditing us;
To a certificate holder or policy owner who wants to know the status of an insurance transaction;
To a person with a legal interest in a policy underwritten or serviced by us;
To our lawyers, accountants and auditors; or
As otherwise required or allowed by law.

Information Security
We authorize our workers, affiliates, outside vendors and others to access personal information only when they have a business reason to do so. We have physical, electronic, and procedural safeguards to protect personal information from unauthorized access.

Right to Review & Correct Personal Information
A consumer who lives in AZ, CT, GA, IL, MA, ME, MT, NC, NJ, OH, OR, VA may review personal information we have gathered about the consumer. The consumer may send a letter to: V3 Insurance Partners, P.O. Box 1166, Wilkes-Barre, PA 18703-1166.

The letter should include name, address, phone number, policy number and describe the records that the consumer wants to review. Upon receipt of this request, we will review our records and inform the consumer if we have the information sought and if it is reasonably locatable and retrievable. If it is, the consumer may review the information in person or request that we mail them a copy. We will disclose to the consumer who else received the information in the past two years or who would normally have received it in the past two years. We may charge the consumer a fee.

The consumer may ask us to fix mistakes in our records. If we agree, we will correct our files. Upon request, we will send revised information to a person who received information from us in the past 2 years. If we disagree, the consumer may file a short statement of dispute. The statement will be included with information we share in the future. Upon request, we will send the statement to a person who received information from us in the past 2 years.

Right to Correct
Subject to certain restrictions, you have the right to request that we correct inaccuracies in your Personal Information.

Medical Record Rights
A consumer who lives in MT may ask for a record of medical record information we have disclosed. The consumer may send a letter to: V3 Insurance Partners, P.O. Box 1166, Wilkes-Barre, PA 18703-1166.

Third-Party Analytics
We use third party analytics programs, such as Google Analytics, which are operated by third party companies. We do not directly collect usage data through our use of third party analytics programs. These companies are unaffiliated with V3 and may, themselves, collect usage data (using cookies, pixels and/or similar tools) about website visitors in order to provide us with aggregate data, reports or metrics that help us evaluate usage of, and improve, our website and mobile app. To learn more about Google’s privacy practices, please review the Google Privacy Policy – available at: https://www.google.com/policies/privacy/partners/. You can also download the Google Analytics Opt-out Browser Add-on to opt-out of Google Analytics collection of usage data – this is available at: https://tools.google.com/dlpage/gaoptout.

Cookies
To provide our users with the best experience, v3ins.com and v3iconnect.com use cookies.

Cookies are small text files sent from a website the user is browsing and stored in the user’s web browser. Some cookies are present only for the session (“session cookies”). Other cookies persist for a pre-determined time (“persistent cookies”). In some cases, the browser sends the cookie back to the server every time the user loads that website.

Cookies help us with certain functionality and personalize your experience. Cookies also help us determine which parts of the site people visit, measure the effectiveness of advertising, and assist us in improving the site based on the users’ behavior.

Managing and Disabling Cookies
Most browsers allow you to manage your cookie preferences with common options such as the following:

Enable or disable cookies completely–always accepted or always blocked
Selectively block cookies
View and selectively delete cookies
Wipe all private data, including cookies
Block third party (tracking) cookies

Some browsers also have extensions or add-on tools for managing cookies and cookie permissions.

For more information about managing or disabling cookies, check your browser or mobile device settings or preferences and look for options such as privacy, tracking or cookies, or visit https://www.allaboutcookies.org.

Note: Disabling all cookies may result in problems using some parts of our website.

Types of Cookies
Our cookies fall into one of the following categories:

Strictly Necessary Cookies
Performance Cookies
Functionality Cookies
Targeting or Advertising Cookies

Strictly Necessary Cookies
Without these cookies, you may not be able to use features or perform certain functions on the website. These cookies are also essential for accessing secure areas of the website. The EU cookie directive exempts cookies that are technically necessary.

Performance Cookies
These cookies provide information about how visitors use our website. Statistical information or “analytics” may include counts of visits to pages, the amount of time spent on a page, the rate at which users leave the site from a page, the speed at which the page loads, etc. The information collected is not personally identifiable; it is aggregated, anonymous data. This data is used to improve how the site works. Some of these cookies are third-party cookies used for specialized analytics software or services.

Functionality Cookies
These cookies support site functionality that is visible or helpful to the user and may include certain choices users make. These enhanced or personal features help deliver a customized experience. Persistent personalized data is encrypted for users’ protection. These cookies cannot be used to track your browsing activity on other websites.

Targeting/Advertising Cookies
These cookies are used to display advertising content relevant to a user’s interests. They may also help measure the effectiveness of an advertising campaign. These types of cookies are set by digital advertising networks with whom we partner, and may be used by them when you visit other websites. Therefore, you may encounter our advertising on other sites after visiting v3ins.com and v3iconnect.com. These cookies are usually third-party, persistent cookies.

Ad Server Companies
We do not partner with or have special relationships with any ad server companies.

Links to Other Websites
Links to other websites (“linked sites”) may be provided for your information and convenience. We do not control and are not responsible for the contents of any linked site. The appearance of linked sites does not mean we endorse, sponsor or authorize the linked sites, or their respective owners and operators. Unless specifically stated, we are not affiliated with the owners and operators of linked sites. Linked sites have their own terms and conditions, and your use of such sites is governed by those terms and conditions and not by terms appearing on this website. You use linked sites, and links to and from any linked site, at your sole risk.

Changes
V3 reserves the right to make changes to v3ins.com and v3iconnect.com, and this Privacy and Security Policy at any time, for any reason or for no reason, and with or without notice. V3 encourages you to review the website and these terms periodically for any updates or changes. We will post the date that this policy has been updated so you will know when it has been changed. Your continued access or use of v3ins.com and v3iconnect.com shall be deemed your acceptance of this Privacy and Security Policy and any changes and the reasonableness of these standards for notice of changes. Please review our Terms and Conditions of Use section for more information on this and other policies.

How to Contact Us
We can be reached via e-mail at wc.brokerservices@v3ins.com or you can reach us by telephone at (877) 430-0085. Our mailing address is:

V3 Insurance Partners, P.O. Box 1166, Wilkes-Barre, PA 18703-1166.

If you feel that this site is not following this Privacy and Security Policy, please contact us at the address or telephone number identified above.

SECURITY POLICY

V3 Secures Your Data
At V3, the privacy and security of consumer data is as important to us as it is to you. Physical safeguards, procedural controls and data access controls protect consumer data from unauthorized access. We continually monitor our systems to prevent unauthorized attempts at intrusion.

Our Security
V3 uses strong encryption (Transport Layer Security or TLS) for transmitting private information via the Internet. TLS uses a private key to encrypt data that is transferred over the TLS connection. This protocol is a standard used by many websites when you submit confidential information, such as credit card numbers and other personal data. TLS creates a secure connection between your browser and our server. Addresses of web pages using a TLS connection start with https: instead of http: and most browsers also display an icon of a closed padlock when you visit a page using TLS.

V3ins.com and v3iconnect.com support the most popular, modern browsers and V3 strongly recommends keeping your browser up-to-date.

Supported browsers include the following:

Google Chrome	latest public release and one prior release
Apple Safari
Mozilla Firefox
Microsoft Edge
Other	JavaScript, Cookies: enabled

Many other browsers may also work with our site including browsers that are wholly compatible with these browsers and some older versions of these browsers. However, V3 does not design nor test for browsers other than those listed above. On mobile devices, v3ins.com and v3iconnect.com support Chrome and Safari on iOS and Chrome and Firefox on Android. V3 does not support developer or beta versions.

We use strong digital certificates so that you can feel safe conducting business with V3.

Your Security
Other things you can do to enhance your security whenever you are online including the following:

Use an Internet firewall (hardware or software).
Use current software and operating system versions; get updates and security patches regularly.
Use anti-virus software and download updates frequently.
Use your own PC.
Choose a hard-to-guess password (longer is better); change your password regularly; don’t reuse passwords across websites.
Use the latest version of your browser.
When finished, logoff the website and close your browser.
For additional security, you can also clear your browser’s cache and temporary Internet files.

Report A Security Vulnerability
If you think you have found a security vulnerability with v3ins.com or v3iconnect.com, please report them via email at wc.brokerservices@v3ins.com, or by telephone at (877) 430-0085.

Effective May. 26, 2023.