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Privacy, Confidentiality, and Web Policies Statement:
SPRENG-SMITH AGENCY
The SPRENG-SMITH AGENCY is the sole owner of the information posted at and collected from the Web site at the SPRENG-SMITH.COM domain. The SPRENG-SMITH AGENCY wants you to have a positive experience at this Web site and to know that your privacy rights will be honored. In accordance with Title V of the Gramm-Leach-Bliley Act (GLBA), this Web page sets forth the privacy and confidentiality practices and the Web policies in effect at the SPRENG-SMITH AGENCY Web site at the SPRENG-SMITH.COM domain. If you do not agree to these terms, please do not access this Web site.

Information Collection and Usage
General Collection and Use of Personal Identifying Information
We collect nonpublic personal information about you from the following sources:
• Information we receive from you on applications or other forms.
• Information about your transactions with us, our affiliates or others.
• Information we receive from a consumer reporting agency.
• Information we receive from a medical information bureau.
In order to use some parts of the Web site, a user must complete a buyer information form or Web contact form, provide an e-mail address, or provide information such as name, email, postal address, and so on. We will use this personal identifying information to establish the identity of the submitter and we will retain this information. Generally, we use information only for the purpose for which it was originally collected. For instance, we must use buyer information to deliver products or we might use the collected information to contact a site visitor about services or information on our site in which he or she expressed an interest or to improve and customize our content. A user can remove his or her consent at any time and stop information from being used for informational and promotional purposes by sending an e-mail request to us and requesting to be removed from a distribution list.  For contact information, please see the Questions and Contact Information section at the end of this document.

Information we may disclose to third parties:
Unless you expressly direct us to do so, we will not disclose personal information about you to third parties for their own marketing purposes. We share personal information about you with third parties (that is, people and companies that are not affiliated with us) only as necessary to provide you with our products and services and as otherwise permitted by law. For example, we may disclose your personal information as necessary to service your policy, to investigate and pay claims, to comply with state and federal regulatory requests or demands: and to process other transactions that you request.
Persons to whom we may make such disclosures include your insurance regulators, insurance companies, the Medical Information Bureau, your mortgage or premium finance company, insurance adjusters and insurance premium auditors. We also may disclose personal information about you to companies that perform marketing services on our behalf or to other financial service providers with which we have joint marketing agreements.

Cookies
A cookie is a piece of data stored on the user's computer and linked to information about the user. Usage of a cookie is not linked to personally identifiable information while on our site. We sometimes use session-based cookies for shopping cart and session navigation purposes. For example, by setting a cookie on our site, users have their shopping cart items tracked and would not have to log in a password more than once, thereby saving time while on our site. If users reject the cookie or turn off their browser cookies, they can still use our site. However, the user will not be able to use certain functions and could be timed out prematurely.

Web Service Log File Data
Like most standard Web site servers we use log files. This could include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

Communication From Our Site
Newsletters, Forms, and Other Publications
If we offer a newsletter or other subscriptions and a user wishes to subscribe to them, or if we offer documentation material such as brochures and we ask for contact information such as name and email address, out of respect for our users privacy we provide a way to opt-out of these communications. Please see the Choice/Opt-out section below.

E-Commerce and Online Financial Transactions
Any financial transactions initiated through our Website take place on a secure server and any personal or credit card information is encrypted during transmission. We do our utmost to provide optimum security for our users and use the latest technology to this end. For e-commerce transactions it is also necessary to gather contact information such as name and email address and possibly shipping information such as mailing address. We will use this information in only appropriate ways. See the section below on Information Sharing. If we initiate contact based on this information, we always provide a way to opt-out of these communications. Please see the Choice/Opt-out section below.

Service Announcements
On rare occasions it is necessary to send out a strictly service related announcement. For instance, if our service is temporarily suspended for maintenance we might send users an e-mail. Generally, users may not opt-out of these communications. However, these communications are not promotional in nature.

Information Sharing
We DO NOT Share Personal Information with Third Parties (except as needed to fulfill requested services using intermediaries or agents) without users' express consent. Though we make every effort to preserve user privacy, we may disclose personal information when we have a good-faith belief that such action is necessary to comply with an appropriate law enforcement investigation, current judicial proceeding, a court order, or a legal process that we must legally comply with.

Choice/Opt-out
Our users are given the opportunity to "opt-out" of having their information used for purposes not directly related to our site at the point where we ask for information. Users who no longer wish to receive a newsletter or secondary communications may opt-out of receiving these communications by contacting us or clicking an Unsubmit link in our communications. For contact information, please see the Questions and Contact Information section at the end of this document.

Links
This Web site contains links to other sites. Please be aware that we are not responsible for the privacy practices of other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. The privacy and confidentiality statement herein applies solely to information collected by the SPRENG-SMITH AGENCY Web site at the SPRENG-SMITH.COM  domain.

Tell-a-Friend
If a user elects to use our referral service for informing a friend about our site via a "Tell-a-Friend" function, we ask them for the friend's name and email address. We will automatically send the friend a one-time email inviting them to visit the site. We do not store this information except as needed to process the requested referral function.

Security
We have taken steps to ensure that personal identifying information collected in the future is secure, and we have limited the number of people who have access to the information by such things as password protections that guard against unauthorized access. Electronic components that store personally identifiable information are in a secure environment.

Notification of Changes
If the SPRENG-SMITH AGENCY decides to change this privacy policy, we will post those changes to this privacy statement, the home page, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected.

Scope
This policy applies only to the Web page locations at the SPRENG-SMITH.COM domain. If users have any questions or suggestions regarding our privacy policy, please contact us using any of the contact information below.

Web Policies
The SPRENG-SMITH AGENCY asks you to be familiar with the Web policies and legal implications posted on this Web page.

Copyrights
Copyright of the text materials contained in this Web site is owned by or through the SPRENG-SMITH AGENCY. These materials may be used, downloaded, reproduced, publicly displayed or reprinted for personal or non-commercial purposes provided that the following attribution appears in all copies: "Reproduced with permission of the SPRENG-SMITH AGENCY, ASHLAND, OHIO" Permission to reproduce materials for commercial application must be obtained in writing. The text materials contained in this Web site may not be modified in any way.

The site may also offer software, graphic images, data, and other non-text based materials. All rights to these materials are reserved to the SPRENG-SMITH AGENCY or the copyright owners who license such materials to us. Where indicated, prior permission to use, download, reproduce, publicly display or reprint any of these materials must be obtained from the SPRENG-SMITH AGENCY or other copyright owner.
Correspondence
The SPRENG-SMITH AGENCY welcomes your feedback on the materials in our Web site. All remarks, suggestions, ideas, stories or other information communicated to the SPRENG-SMITH AGENCY through this site will be deemed, and shall remain, the exclusive property of the SPRENG-SMITH AGENCY.

In exchange for allowing you the opportunity to contribute to the Web site, you agree that nothing you provide will be obscene, offensive, defamatory, infringing upon the intellectual property rights of others or otherwise objectionable or unlawful.

Applicable Laws
Users of this Website shall abide by all applicable federal, state and local laws, including those pertaining to libel, slander, defamation, trade libel, product disparagement, harassment, invasion of privacy, and copyright and trademark infringement.

By accessing the Web site, you agree to be bound by the terms and conditions of this agreement which is governed by and construed in accordance with the laws of the State of Ohio and the United States of America, without giving effect to any conflict of laws principles. All activity occurring in connection with the site (including, but not limited to, accessing pages, downloading materials, etc.) is presumed to occur in the State of Ohio in the United States of America.

Questions and Contact Information

If you have any questions, comments, or concerns regarding these privacy policy or practices, please use the contact information below. Let us know that you are communicating in reference to the SPRENG-SMITH AGENCY Web site. If necessary, specify the URL of the page, if any, for which you have a question or issue.

Phone: 419-289-3310
Email: info@spreng-smith.com

Postal Address:
SPRENG-SMITH AGENCY
Attention: Web Privacy
320 College Avenue
Ashland, Ohio 44805

Web Site URL: spreng-smith.com

Updated 01/31/2011
Copyright © 2002-
All Rights Reserved.
SPRENG-SMITH AGENCY

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