1. WHO WE ARE
The Website enables individuals and businesses to seek information regarding Viti Companies’ personal and commercial insurance services as well as financial services, including annuities, estate planning, pension services, and individual retirement accounts. Users can use a contact form to ask Viti Companies employees questions about financial and insurance needs, request to speak to an agent, and request an insurance quote.
2. PERSONAL DATA WE PROCESS
Viti Companies collects Personal Data that you actively submit to us as a User. We may process your Personal Data with or without automatic means, including collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure, or destruction of your Personal Data.
(a) Actively submitted data. You submit Personal Data to us when you contact us through our Website, or engage in other interactions or communications with Viti Companies. Some examples of the information we collect from you may include: name; email address; phone number; zip code; physical address; the year, make and model of your car; information about your bank mortgages; and other information necessary for Viti Companies to provide you with an insurance quote
Viti Companies may also process identification information in order to verify your identity in the event that there is a risk of fraud or a regulatory requirement to verify such.
You may also provide us with additional information to participate at your own initiative in surveys, feedback comments, promotions, or other activities. Participation in surveys, feedback comments, promotion or other similar activities is optional. If you do not wish to participate in, or provide Personal Data in connection with such activities, this will not affect your customer status or ability to use available services. In each such case you will know what Personal Data you provide us with because you actively and voluntarily submit the data.
(b) Personal Data not actively collected or processed. Viti Companies does not actively collect or otherwise process Personal Data from minors and included in our Terms and Conditions is a condition that the customer is not a minor and does not provide Personal Data of minors. For the purposes of Personal Data collected from the United States of America, the age of a minor is under age eighteen (18) years old.
Viti Companies does not actively collect or otherwise process special categories of data including data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade-union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health, or data concerning a natural person’s sex life or sexual orientation.
Viti Companies does not actively collect or otherwise process Personal Data relating to criminal convictions and offenses.
3. PURPOSES FOR PROCESSING PERSONAL DATA
We process Personal Data for logistics, payment, insurance, customs, tax, other regulatory requirements, communication, customer service, marketing, web analytics, system monitoring, data security and other operational and administrative purposes.
We use Personal Data to provide our customers with information regarding our services. We may use Personal Data to: (a) contact you, (b) fulfill requests you make, (c) seek your voluntary feedback, (d) customize features or content on our Website and software, (e) evaluate eligibility to receive our services, (f) evaluate eligibility to participate in promotions, (g) verify identity, or (h) administer our services, including through use of third-party service providers.
In this context, the legal basis for our processing of your Personal Data is either the necessity to perform contractual and other obligations that we have towards you or carrying out our legitimate activities as an organization.
Viti Companies may also use your Personal Data to comply with applicable laws and exercise legal rights as the basis for our data processing.
Viti Companies may also use your Personal Data for internal purposes, including auditing, data analysis, system troubleshooting, and research. In these cases, we base our processing on legitimate interests in performing the activities of the organization.
4. SHARING OF PERSONAL DATA
Viti Companies shares your Personal Data with other parties in the following circumstances:
a. Third-Party Providers. We may share your information with third-party providers to perform tasks on our behalf. In instances where your Personal Data is shared with third-party providers, the providers will be contractually required to protect Personal Data from additional processing (including for marketing purposes) and transfer.
b. Legal Requirements. We may access and disclose your Personal Data to regulatory bodies if we have a good-faith belief that doing so is required under regulation. This may include screening against the Consolidated Screening List for which the United States Government maintains restrictions on certain exports, re-exports or transfers of items. This may also include submitting Personal Data required by local customs authorities and tax authorities. Additionally, we may disclose your Personal Data and other information as required by law, including in response to lawful requests by public authorities or to meet national security or law enforcement requirements. We may also disclose your Personal Data to exercise or defend legal rights; to take precautions against liability; to protect the rights, property, or safety of the resource, of any individual, or of the general public; to maintain and protect the security and integrity of our services or infrastructure; to protect ourselves and our services from fraudulent, abusive, or unlawful uses; or to investigate and defend ourselves against third-party claims or allegations.
5. STORAGE OF PERSONAL DATA
6. PERSONAL DATA SECURITY
Viti Companies uses technical and organizational measures to protect the Personal Data received against accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to Personal Data transmitted, stored or otherwise processed. We regularly consider appropriate new security technology and methods as we maintain and develop our software and systems. Security measures implemented include:
1. Data requiring a higher level of protection is encrypted prior to transmission to the database for storage;
2. Web and database servers are protected using firewalls;
3. User access is tracked;
4. Role-based security is applied to system access;
5. All employees are contractually obligated to maintain the confidentiality of Personal Data accessible through their employment;
6. Regular system backups are made;
7. Regular maintenance is performed on systems; and
8. Systems are monitored for security.
7. RETENTION OF PERSONAL DATA
Viti Companies retains Personal Data collected through its Website for a reasonable period of time to fulfill the processing purposes mentioned above. Personal Data is then archived for time periods required or necessitated by law or legal considerations. When archival is no longer required, Personal Data is deleted from our records.
8. PERSONAL DATA RIGHTS
California Privacy Rights:
If you are a California resident under eighteen (18) years old and a registered User, you can request that we remove content or information that you have posted to our Website or other online services. To request removal of content or information, please contact us as described below.
9. TRACKING TECHNOLOGIES, COOKIES, AND CLEAR GIFs
We may use tracking technologies, cookies and clear GIFs to collect information. Tracking technologies are used to collect information from your web browser through our servers or filtering systems when you visit any of our sites. Cookies are small bits of data used to transfer information to your computer’s hard drive or your web browser for record-keeping purposes, including recognizing your web browser when you return to our Website. A clear GIF is a transparent graphic image placed on a website. The use of clear GIFs allows us to monitor your actions when you open a web page and makes it easier for us to follow and record the activities of recognized browsers. Clear GIFs may be used in combination with cookies to obtain information on how visitors interact with our Website.
Information collected may include but is not limited to your browser type, your operating system, your language preference, any referring web page you were visiting before you came to our site, the date and time of each visitor request, and information you search for on our sites. We can also track the path of page visits on a website and monitor aggregate usage and web traffic routing on our sites. We collect this information to better understand how you use and interact with our sites in order to improve your experience. We also collect this information to better understand what services and marketing promotions may be more relevant to you. We may also share this information with our employees, service providers and customer affiliates as well as between affiliated entities.
You can change your web browser settings to stop accepting cookies or to prompt you before accepting a cookie from the sites you visit. If you do not accept cookies, however, you may not be able to use some sections or functions of our Website.
Viti Companies takes reasonable steps to protect your Personal Data from loss, misuse and unauthorized access, alteration, disclosure or destruction in accordance with applicable law. No Internet, e-mail or electronic operating system is ever fully secure or error free, so please take care in deciding what information you give to us.
Viti Companies takes steps to reasonably ensure that the privacy of your non-public information remains secure even in the event of the disposal of information that is no longer required to be maintained. Such steps shall include whenever possible, shredding paper documents and records prior to disposal, requiring off-site storage vendors to shred documents maintained in such locations prior to disposal, and erasing and/or obliterating any data contained on electronic media in such a manner that the information can no longer be read or reconstructed.
11. THIRD PARTY WEBSITES
13. INFORMATION ON WEBSITE
The information contained on this Website is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products or services may not be available in all states.
15. EFFECTIVE DATE