Privacy Policy

Please read this Privacy Policy carefully. If any term in this Privacy Policy is unacceptable to you, please do not use the Website or provide us with any Personal Information.

References to “you” “your” mean any person submitting any data, personal or otherwise, on this Website.

Data privacy is very important to Titan Risk Management LLC (also known as Titan Risk) . This Privacy Policy (“Privacy Policy”) details how we collect, share, and otherwise process information relating to individuals on our website (Titanrisk.com) (www.titanrisk.com/#request)  (our “Services”), as well as when you call, text or otherwise interact with us. This Privacy Policy also lets you know about your privacy rights and options you may have regarding our processing of Personal Information.

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What Information do we collect

In short: We collect personal information that you provide to us 

We collect personal information that you voluntarily provide to us when you register for our services (for example our form), Express an interest in obtaining information about us or our products and services, when you participate in activities on the services, or otherwise, when you contact us. 

Personal information provided by you the personal information that we collect depends on the context of your interactions with us in the services, the choices you may, and the production and features you use. The personal information we collect may include the following.. 

• Names
• Phone numbers
• Email addresses
• Mailing addresses
• Business address
• Billing address
• Nature of business
• Contact preferences
• Insurable value of business

Sensitive information: when necessary with your consent or otherwise permitted by applicable law, we process the following categories of sensitive information

• Financial data

PaymentPayment Data. We may collect data necessary to process your payment if you choose to pay insurance premiums or fees online. This includes your payment instrument number and the security code associated with your payment instrument. All payment data is stored by Heartland Payment Processing. You may find their Privacy Notice here: https://www.heartland.us/privacy-policy 

All personal information that you provide must be true, complete,  and accurate, and you must notify us of any changes to such personal information. 

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How do we process your information:

In short: we process your information to provide, improve, and administer our services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

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We are generally unable to perform insurance brokerage or other insurance industry services on your behalf without collecting, using, or disclosing your Personal Information. Typically, you will provide this required information to us directly within insurance applications or in connection with other communications or indirectly depending on your relationship with us – whether as an individual client, agent, broker, claimant, employee of our company, program, or association clients, family member of any of such employees or other person who Titan Risk employs or with whom we may do business. For example, we may receive this and other Personal Information from third parties, including insurance carriers and other industry service providers, and other third parties with which you maintain a relationship (for example, your employer or financial service or medical or health providers). We may also develop this information over time based on your direct or indirect interactions with us, such as through the use of “cookies” on our websites.

We generally collect the amount and types of Personal Information that are required for us to perform or support services on your behalf, whether directly or indirectly. This includes information that may be required by an insurance carrier or an industry service provider in the course of providing you with insurance coverage or related services. If you use our websites, we may collect information about your device, browser, and other information regarding your web usage using tracking tools described in this policy. This and other information may include the Personal Information as defined above.

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CONTROLLING YOUR CONTACT PREFERENCES

We may use users provided email to respond to their inquiries, questions, and/or other other requests. If a user decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product, or service information, etc. If at any time the user would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email. We may also use the user's provided phone number for text or call purposes. If users decide to, opt in to this through the checkbox on our website this may be used for communication purposes regarding service information. If at any time the user would like to unsubscribe (“Opt-Out”)  from receiving future text messages, this can be done so by replying.”STOP” or “UNSUBSCRIBE“ within your SMS platform. 

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INFORMATION AUTOMATICALLY COLLECTED

In Short: Some information- such as your Internet Protocol (IP) address and.or browser and device characteristics– is collected automatically when you visit our services

We automatically collect certain information when you visit, use or navigate the services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs , device name, country, location , information about how, and when you use our services, and other technical information. This information is primarily needed to maintain the security and operation of our services, and for our internal analytic and reporting purposes. 

The information we collect includes; 

• Login usage data. Login usage data is service – related, diagnostic, usage, and performance information our servers automatically collect when you access or use our services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about activity in the services (such as data/timestamps associated with your usage, pages and files, viewed, searches, and other actions you take such as which features you use). Device event information parentheses such as system activity, error reports ( sometimes called “crash dumps “(. And hardware settings parentheses).

Personal identification information

We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, mailing address, and phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personal identification information, except that it may prevent them from engaging in certain Site related activities

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer, and technical information about the user's means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.

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COOKIES AND OTHER WEB TECHNOLOGIES

We may use “cookies” and other technologies such as web beacons on our websites. These technologies help us to better understand user behavior including for security and fraud prevention purposes, for information about which parts of our websites people have visited, and to facilitate and measure the effectiveness of advertisements and web searches.

• Communications Cookies. These cookies are used to enable network traffic to and from our systems, including by helping us detect any errors.
• Strictly Necessary Cookies. These cookies are set as required to provide a specific feature or service that you have accessed or requested and that cannot be provided without the use of such cookies.
• Other Cookies. These cookies are used to understand how visitors interact with our websites and online services, including by helping us assess the effectiveness of web searches so we can provide you with a more customized experience.

Most web browsers, and some mobile operating systems and mobile applications include a due – not – track (“DNT”) feature and implementation. DNT signals have been finalized. As such, we do not currently respond to. DNT browser signals, or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a relevant version of this privacy notice.

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HOW LONG DO WE KEEP YOUR INFORMATION

In short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law. 

We will only keep your personal information for as long as it is necessary for the purpose set out in this privacy notice, unless a longer retention. Is required or permitted by law. ( such as tax, accounting or other legal requirements). No purpose in this notice will require us to keep your personal information for longer than the period of time in which users have an account with us.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or if this is not possible (For example, because your personal information has been stored in backup archives) , then we will securely store your personal information and isolate it from any further processing until deletion is possible. 

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HOW WE PROTECT YOUR INFORMATION

In short: We aim to protect your personal information through a system of organizational and technical security measures.

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we can cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third-party will not be able to defeat our security and properly collect, access, steel, or modify your information. Although we will do our best to protect your personal information, transmission, or personal information to and from our services is at your own risk. You should only access the services within a secure environment. 

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DO WE COLLECT INFORMATION FROM MINORS

In short: we do not knowingly collect data from or market to children under 18 years of age.

We do not knowingly  solicit data from or market to children under 18 years of age. By using the services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependence use of services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data, we may have collected from children under age 18, please contact us at support@titanrisk.com.

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WHEN AND WITH WHOM DO WE SHARE OUR PERSONAL INFORMATION

In short: we may share information in specific situations described in this section and/or with the following third parties.

We may need to share your personal information in the following situation:

• Business transfers. We may share a transfer of your information and connection with, or during negotiations of, any merge, sale of company, assets, financing, or acquisition of all or part of our business to another company.
• Other users, when you share personal information or otherwise interact with public areas of the services, such personal information may be viewed by employees of Titan risk. This information will be made available with the company, and these employee users will be able to view descriptions of your activity, communicate with you with our services and view your profile. 
• We may disclose your personal information with our service providers, pursuant to a written contract between us and each service provider. We may use your personal information for our own business purposes, such as for undertaking internal research for technical development and demonstration. This is not considered to be “selling “of your personal information.
• We have not disclosed, sold, or shared any personal information to third parties for a business or commercial purpose in the preceding 12 months. We will not sell or share personal information in the future belonging to websites, visitors, users, and other consumers.
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WHAT ARE YOUR PRIVACY RIGHTS

In short: you may review, change and terminate your account at any time. 

Withdrawing your consent: if we are relying on your consent to process your personal information, which may be expressed and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the direct details provided in the quote, can you contact us about this notice, section. 

However, please note that this will not affect the lawfulness of the processing before its withdrawal, nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent. 

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United States Residents and specific privacy rights

In short: If you are a resident of Virginia, Utah, Connecticut, Colorado or California, you are granted specific rights regarding access to your personal information.

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What categories of personal information do we collect?

We have collected the following categories of personal information in the past twelve (12) months

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How we will use and retain personal information as needed to provide the service or for:

• Category A- As long as the user has an account with us 

We may also collect other personal information  outside of these categories through instances where you  interact with us in person, online or by phone or mail in the context of:

• Recovering help through our customer support channels
• Participation in delivery of our services and to respond to your inquiries

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California Residents 

California civil code section 1798.83, also known as the “shine the light” law permits, our users who are California residence to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) We disclosed to third parties for direct marketing purposes and the name and addresses of all third parties with which we shared personal information in the immediate preceding calendar year. If you are a California resident and would like to make a request, please submit your request in writing to us using the contact information provided below.

If you are under 18 years of age, in California, and have a registered account with the services, you have the right to request removal of unwanted data that you post on the services. Request removal of such data please contact us using the contact information provided below and include the email address associated with your account and a statement that you reside in California. We will make sure Dad is not publicly displayed on the services, but please be aware that the data may not be completely or comprehensively removed from all the systems (e.g. backups, etc.) . 

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CCPA privacy notice

This section applies only to California residents. Under the California consumer privacy act (CCPA). You have the rights listed below.

The California code of regulations defines a “residents” as:

1. Every individual who is in the state of California for other than a temporary or transitory purpose, and
2. Every individual who is domiciled in the state of California who is outside the State of California for a temporary or transitory purpose.

All other individuals are defined as “non-residents” 

If this definition applies to you, you must adhere to certain rights and obligations regarding your personal information. 

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Your rights with respect to your personal data

Right to request Alicia of the data— request to delete

You can ask for the deletion of your personal information. If you ask us to delete your personal information, we will respect your request and delete your personal information, subject to certain exceptions, provided by law, such as (but not limited to) the exercise by another consumer of his or her right to free speech, our compliance requirements, resulting from a legal obligation, or any processing that may be required to protect against illegal activities. 

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Right to be informed— request to know

Depending on the circumstances, you have a right to know:

• Whether we collect and use your personal information
• The categories of personal information that we collect
• The purposes for which the collected personal information is used
• Whether we sell or share personal information to third parties 
• The categories of personal information that we sold, shared, or disclosed for a business purpose 
• The business or commercial purpose for collecting, selling, or sharing personal information, and those specific pieces of personal information we collected about you

In accordance with applicable law, we are not obligated to provide or delete consumer information that is de-identified in response to a consumer request or to re-identified individuals to verify a consumer request.

Right to Non-Discrimination for the exercise of a customer’s Privacy Rights

We will not discriminate against you if you exercise your privacy rights. 

Other Privacy rights

• You may object to the processing of your personal information
• You may may request correction of your personal data if it is incorrect or no longer relevant, or ask to restrict the processing of the information
• You can designate an authorized agent to make a request
  

Colorado Residents

This section applies only to Colorado residents. Under the Colorado privacy act.(CPA) you have the right listed below. However, these rights are not absolute and in certain cases, we may decline your request as permitted by law.

• Right to be informed whether or not we are processing your personal data
• Right to access your personal data
• Right to correct an accuracy in your personal data
• Right to request a deletion of your personal data
• Right to obtain a copy of the personal data you previously shared with us
• To opt out of processing of your personal data if it is used for targeted advertising, the sale of personal data, or profiling further decisions that produce illegal or similarly significant effects (“profiling”) 

To submit a request to exercise these rights described above, please email support@titanrisk.com.

If we declined to take action regarding your request and you wish to appeal our decision, please email us at  support@titanrisk.com within 45 days of receipt of an appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decision. 

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Connecticut Residents

This section applies only to Connecticut  residents. Under the Connecticut Data  privacy Act.(CTDPA) you have the right listed below. However, these rights are not absolute and in certain cases, we may decline your request as permitted by law.

• Right to be informed whether or not we are processing your personal data
• Right to access your personal data
• Right to correct an accuracy in your personal data
• Right to request a deletion of your personal data
• Right to obtain a copy of the personal data you previously shared with us
• To opt out of processing of your personal data if it is used for targeted advertising, the sale of personal data, or profiling further decisions that produce illegal or similarly significant effects (“profiling”) 

To submit a request to exercise these rights described above, please email support@titanrisk.com.

If we declined to take action regarding your request and you wish to appeal our decision, please email us at  support@titanrisk.com within 45 days of receipt of an appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decision. 

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Utah Residents

This section applies only to Utah  residents. Under the Utah Consumer  Privacy Act.(UCPA) you have the right listed below. However, these rights are not absolute and in certain cases, we may decline your request as permitted by law

• Right to be informed whether or not we are processing your personal data
• Right to access your personal data
• Right to request deletion of your personal data
• Right to obtain a copy of the personal data you previously shared with us
• To opt out of processing of your personal data if it is used for targeted advertising, the sale of personal data, or profiling further decisions that produce illegal or similarly significant effects (“profiling”) 

To submit a request to exercise these rights described above, please email support@titanrisk.com.

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Virginia Residents

Under the Virginia Consumer Data Protection Act (VCDPA)

“Consumer” means a natural person who is a resident of the commonwealth acting only in an individual or household context. It does not include a natural person acting in a commercial or employment context.

“Personal data” means any information that is linked or reasonably linkable to an identified or identifiable natural person. “Personal data “does not include.de-identified data or publicly available information.

“Sale of personal data “ means the exchange of personal data for monetary consideration

If this definition of “consumer “applies to you, we must adhere to certain rights and obligations regarding your personal data.

Your rights with respect to your personal data

• Right to be informed whether or not we are processing your personal data
• Right to access your personal data
• Right to correct an accuracy in your personal data
• Right to request a deletion of your personal data
• Right to obtain a copy of the personal data you previously shared with us
• To opt out of processing of your personal data if it is used for targeted advertising, the sale of personal data, or profiling further decisions that produce illegal or similarly significant effects (“profiling”) 

To submit a request to exercise these rights described above, please email support@titanrisk.com.

If you are using an authorized agent to exercise your rights, we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.

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CHANGES TO THIS PRIVACY POLICY

Titan Risk Management LLC has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

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YOUR ACCEPTANCE OF THESE TERMS

By using this Site, you signify your acceptance of this policy and terms of service. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

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HOW TO CONTACT US ABOUT THIS POLICY

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us at: Support@TitanRisk.com or by mail at

Titan Risk Management LLC

228 Park Ave S PMB 76774

New York, NY 10003

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https://www.titanrisk.com/

This document was last updated on January 1st, 2024

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