Capa Consulting Group (CCG) is committed to protecting your privacy. This Privacy Statement ("Statement") explains our information processing practices. It applies to any personal information you provide to CCG and, subject to local law, any personal information we collect from other sources.
Throughout this Statement, "CCG" refers to CCG, LLC, including its affiliated companies and subsidiaries (also referred to as "we", "us", or "our").
What type of information does CCG collect?
We collect personal information to offer and administer our services and products. These include insurance brokering, claims management, risk management consulting, other forms of insurance services (including underwriting of insurance products and reinsurance), employee benefits program administration and investment advisory services.
We may collect information such as your name, contact details, date of birth, gender, marital status, financial details, employment details and benefit coverage. We may also collect sensitive information about you such as criminal convictions or health information in relation to life, health, professional liability and workers compensation insurance or employee benefit programs.
When you request services, we ask that you provide accurate and necessary information that enables us to respond to your request. In doing so, you consent to our collection, use, storage and disclosure of this information to appropriate third parties for the purposes described in this Statement.
While the personal information we collect may come directly from you, it may also be provided by our affiliates or other third parties (such as employers, insurance companies, insurance brokers or agents, credit organizations, motor vehicle and driver licensing authorities, financial institutions, medical professionals, etc.). If you provide personal information about other individuals (such as employees, dependents, etc.), you must obtain their consent prior to your disclosure to CCG.
CCG may collect information online when you . . .
Visit CCG Websites
For purposes of this Statement, "website" includes our mobile applications.
By using CCG websites and associated micro-sites, you agree to the processing of your personal information as explained in this Statement, including placing cookies on your device as described in the Cookie Notice.
We collect personal information to fulfill your requests for products and services and to improve your online experience. We strive to limit the amount of personal information collected to support the intended purpose of the collection.
We may ask you for some or all of the following types of information when you register for events, request services, manage accounts, access various content and features or directly visit our websites. This includes, but is not limited to:
- contact information, such as name, e-mail address, postal address, phone number and mobile number;
- user name, password, password reminder questions and password answers;
- communication preferences, such as which newsletters you would like to receive;
- search queries;
- contact information about others when you refer a friend to a particular site or service (note: this information is used solely to facilitate requested communications); and
- information posted in community discussions and other interactive online features.
In some instances, CCG automatically collects certain types of information when you visit our websites and through e-mails that we may exchange. Automated technologies may include the use of web server logs to collect IP addresses, "cookies" and web beacons. The collection of this information will allow us to improve the effectiveness of CCG websites and our marketing activities.
In addition, on some occasions, CCG may use tracking technologies such as web beacons, to collect information about your visits to CCG websites. These are small electronic images embedded in web content or e-mail messages and are ordinarily not visible to users. Like cookies, this tracking technology enables us to track pages and content accessed and viewed by users on CCG websites. The use of these technologies also helps us to provide you with a positive experience when you browse our websites, and it also helps refine our content and personalize your experience. For more detailed information, you may wish to visit our Cookie Notice.
For more detailed information about cookies, you may wish to visit www.allaboutcookies.org.
Links to Other websites: CCG websites may contain links to other sites which are outside our control and are not covered by this Statement. If you access other sites using the links provided, the operators of these sites may collect information from you which will be used by them in accordance with their privacy statement. We encourage you to read the privacy statements on other websites you visit. CCG is not responsible for the content or privacy practices of linked sites or any use of those sites.
Please be aware that CCG websites may contain links to sites maintained by other CCG entities that are not governed by this Statement but by other privacy statements that may differ slightly from this Statement. We encourage you to review the privacy statement of each website you visit.
Engage with CCG through Social Media
You can engage with us through social media websites or through features such as plug-ins or applications on CCG websites that integrate with social media sites. You may also choose to link your account with us to third party social media sites. When you link your account or engage with us on or through third party social media sites, plug-ins, or applications, you may allow us to have ongoing access to certain information from your social media account (e.g., name, e-mail address, photo, gender, birthday, the posts or the 'likes' you make).
Access our Websites through Mobile Devices
If you access our websites on your mobile telephone or mobile device, we may also collect your unique device identifier and mobile device IP address, as well as information about your device's operating system, mobile carrier and your location information.
When you provide us your mobile device phone number as your contact phone number, you consent to the use of your mobile device phone number for the purposes identified in this Statement. If you choose to receive notifications from us on your mobile device (e.g. text notifications), you also consent to the use of your mobile phone number for that purpose.
How does CCG use your personal information?
The personal information we collect may be used to:
- provide information and services as requested by you;
- determine eligibility and process applications for products and services;
- provide information and services as requested by clients;
- understand and assess clients' ongoing needs and offer products and services to meet those needs;
- carry out client communication, service, billing and administration;
- administer claims;
- conduct data analysis;
- obtain and update credit information with appropriate third parties, such as credit reporting agencies, where transactions are made on credit;
- execute monitoring and training;
- develop new services;
- market products and services (subject to appropriate consent); and
- conduct processing necessary to fulfill other contractual obligations for the individual.
With your consent, we may also use your personal information for additional purposes.
Does CCG disclose your personal information?
We disclose personal information to business partners that are necessary to provide our products and services. Examples include:
- banking and finance products - credit and fraud reporting agencies, debt collection agencies, insurers, reinsurers, and managed fund organizations for financial planning, investment products and trustee or custodial services in which you invest
- insurance broking and insurance products - insurers, reinsurers, other insurance intermediaries, insurance reference bureaus, medical service providers, fraud detection agencies, our advisers such as loss adjusters, lawyers and accountants and others involved in the claims handling process
We do not rent, sell or otherwise disclose personal information about our online visitors with unaffiliated third parties for their own marketing use.
Authorized Service Providers
We may disclose your information to service providers we have retained to perform services on our behalf. These service providers are contractually restricted from using or disclosing the information except as necessary to perform services on our behalf or to comply with legal requirements.
Legal Requirements and Business Transfers
We may disclose personal information (i) if we are required to do so by law or legal process, (ii) in response to law enforcement authority or other government official requests, (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, (iv) in connection with an investigation of suspected or actual illegal activity or (v) in the event that CCG is subject to a merger or acquisition to the new owner of the business. Disclosure may also be required for company audits or to investigate a complaint or security threat.
Does CCG transfer your personal information across geographies?
CCG may transfer certain personal information across geographical borders to CCG entities or service providers in other countries working on our behalf in accordance with applicable law.
By providing us with your information or using our websites, you consent to the collection, international transfer, storage, and processing of your information. These transfers are governed by European Union (EU) standard contractual clauses, the U.S./EU Safe Harbor Framework or equivalent data transfer agreements to protect the security and confidentiality of personal information.
Upon written agreement, CCG will rely upon certification with the U.S.-EU Safe Harbor Framework and the U.S.-Swiss Safe Harbor Framework established by the U.S. Department of Commerce. Such certification is limited to clients and information systems of CCG, LLC’s human resources business process outsourcing service.
CCG LLC complies with the U.S.-EU Safe Harbor Framework and the U.S.-Swiss Safe Harbor Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries and Switzerland. CCG, LLC has certified that it adheres to the Safe Harbor Privacy Principles of notice, choice, onward transfer, security, data integrity, access, and enforcement. To learn more about the Safe Harbor program, and to view CCG, LLC’s certification, please visit http://www.export.gov/safeharbor/
How can you access and update your information?
CCG takes reasonable steps to keep your personal information accurate and complete. You can access or update your personal information in the following ways.
Contact us at the e-mail or postal address listed in the "Contact Us" section at the bottom of this Statement. Please include your current contact information, the information you are interested in accessing and your requested changes. We will provide you access to the personal information requested, subject to reasonable limitations provided by law, unless it infringes on the privacy of other individuals.
If we do not provide you with access, we will provide you with the reason for refusal and inform you of any exceptions relied upon.
Does CCG have security measures in place to protect your information?
CCG has implemented reasonable physical, technical and administrative security standards to protect personal information from loss, misuse, alteration or destruction.
Our service providers and agents are contractually bound to maintain the confidentiality of personal information and may not use the information for any unauthorized purpose.
Does CCG collect information from children?
Our websites are not directed to children and we do not knowingly collect personal information from children on our websites.
If you have any questions relating to this Statement, please contact us at CCG [email protected]
Changes to this Statement
We may update this Statement from time to time. We encourage you to periodically review this Statement so that you will be aware of our privacy practices. This Statement was last updated on December 1, 2015.