Data Collection

Concord Agency, Inc. undertakes to collect Your Data by means that are:

• fair;
• legal; and
• transparent.

If you visit Concord Agency, Inc.'s web-site, your web-browser automatically discloses, and Concord Agency, Inc.  web-server automatically logs, the following information: the date and time, the IP address from which you issued the request, the type of browser and operating system you are using, the URL of any page that referred you to the page, the URL you requested, and whether your request was successful. This data may or may not be sufficient to identify you.

Any additional data that you provide, e.g. in a web-form, may also be logged. This data may or may not be sufficient to identify you.

Any additional data that your web-browser automatically provides may also be logged. This will be the case, for example, if your browser has previously been requested to store data on your computer in 'cookies' and submits them each time you request a web-page within a particular domain (such as www.concordagency.com). This data may or may not be sufficient to identify you.

If you disclose personal data to Concord Agency, Inc. in conjunction with an identifier such as your name or your credit-card details, Concord Agency, Inc. will collect Your Data. Moreover, any data that becomes available to Concord Agency, Inc. through any of the means described in the preceding paragraphs may be able to be associated with that identifier, and hence become Your Data.

Subject to the qualifications immediately below, Concord Agency, Inc. undertakes to collect Your Data from you and not from other parties. This undertaking is qualified as follows:

• where Concord Agency, Inc. reasonably considers that the protection of its financial interests requires that it gather Your Data from other sources, or from additional sources. This applies in particular where Concord Agency, Inc. has a lending exposure to you, and seeks information about your creditworthiness;
• where Concord Agency, Inc. reasonably considers that its capability to deliver quality services to you will be materially enhanced by gathering YourData from other sources. This applies in particular to consumer profile data.

Where Concord Agency, Inc. collects Your Data from sources other than you, it undertakes:

• to do so only by legal means;
• to do so only with your Consent; and
• to declare to you what sources it uses, and under what circumstances.

Concord Agency, Inc.  undertakes to declare the purpose of collection in a manner which is clear and meaningful, and to avoid vague, highly inclusive statements such as 'to support our operations'.

Data Use

Use refers to the application of Your Data by any part of Concord Agency, Inc., or any staff-member or contractor of Concord Agency, Inc. in the course of their work.

Concord Agency, Inc. undertakes to use Your Data only for:

• the purposes for which it was collected;
• such other purposes as are subsequently agreed between Concord Agency, Inc. and You;
• such additional purposes as may be required by law. In these circumstances, Concord Agency, Inc. will take any reasonable steps available to it to communicate to You that the use has occurred, unless it is precluded from doing so by law; and
• such additional purposes as are authorized by law (in particular to protect  Concord Agency, Inc. interests, e.g. if it believes on reasonable grounds that You have failed to fulfill your undertakings to Concord Agency, Inc. or have committed a breach of the criminal law).

Concord Agency, Inc. undertakes to use YourData only if it has demonstrable relevance to the particular use to which it is being put.

Concord Agency, Inc. undertakes to use YourData in such a manner as to take into account the possibility that it is not of sufficient quality for the purpose, e.g. because it is inaccurate, out-of-date, incomplete, or out-of-context.

Data Disclosure

Disclosure refers to making YourData available to any party other than Concord Agency, Inc. and You. The term disclosure may include many different conditions of data transfer, including selling, renting, trading, sharing and giving.

Concord Agency, Inc. undertakes to disclose Your Data only under the following circumstances:

• in the course of business being conducted between You and Concord Agency, Inc., where disclosure is necessary to a contractor, such as a transport company. Where Your Data is disclosed in this way, Concord Agency, Inc. undertakes to exercise control over Concord Agency, Inc. contractors to ensure that their actions are compliant with these Terms;
• in other circumstances that are directly implied by the purpose agreed between You and Concord Agency, Inc. at the time of data collection or subsequently. Where Your Data is disclosed in this way, Concord Agency, Inc. undertakes to exercise control over Concord Agency, Inc. contractors to ensure that their actions are compliant with these Terms;
• with your consent, or at your request;
• where required by law, such as a provision of a statute, or a court order such as a search warrant or sub poena. In these circumstances, Concord Agency, Inc. will take any reasonable steps available to it to communicate to You that the disclosure has occurred, unless it is precluded from doing so by law;
• where permitted by law (e.g. the reporting of suspected breach of the criminal law to a law enforcement agency; and in an emergency, where Concord Agency, Inc. believes on reasonable grounds that the disclosure of YourData will materially assist in the protection of the life of health of some person), provided that Concord Agency, Inc. will apply due diligence to ensure that the exercise of the permission is justifiable.

In all cases, Concord Agency, Inc. undertakes to disclose only such of Your Data as is necessary in the particular circumstances.

Handling of Enquiries, General Concerns and Complaints

If you have enquiries, general concerns, or complaints about these Terms, or about Concord Agency, Inc.  Behavior in relation to these Terms, you undertake:

• to communicate them in the first instance:
• to Concord Agency, Inc. only;
• in sufficient detail;
• through a channel made available by Concord Agency, Inc.  for that purpose;

Concord Agency, Inc.  undertakes:

• to provide one or more channels for communications to Concord Agency, Inc., which are convenient to users;
• to promptly provide acknowledgement of the receipt of communications, including the provision of a copy of the communication, the date and time it was registered, and Concord Agency, Inc.  reference-code for the communication.

You further undertake to not pursue Concord Agency, Inc.  through any Regulator or the media:

• until and unless Concord Agency, Inc.  has had a reasonable opportunity to respond to the initial communication; and
• while Concord Agency, Inc.  and you remain are conducting a meaningful dialogue about the matter.

Definitions

Concord Agency, Inc. means Independent Insurance Agency as described and portrayed on http://www.concordagency.com/.

Your Data means data that is capable of being associated with you, whether or not it includes an explicit identifier such as your name or customer number. In particular, it encompasses all data that Concord Agency, Inc. is capable of correlating with you, using such means as server-logs and cookie-contents.

Your Data does not refer to data that can no longer be associated with you. This includes aggregated data that does not and cannot identify the individuals whose data are included in the aggregation.

Consent means your concurrence with an action to be taken by Concord Agency, Inc. Consent may be express or implicit, but in either case must be informed and freely-given.

--This privacy statement is an adaptation of a privacy template as authored by Roger Clarke Principal of Xamax Consultancy Pty Ltd. Sections of the template were omitted from use on http://www.concordagency.com/.  You can view the original template and template's copyright license at http://www.anu.edu.au/people/Roger.Clarke/DV/PST.html .