SPO Inc. DBA Joyce Hart Insurance Agency & DBA O’Shea & French Agency

Please read these terms and conditions carefully. By accessing the site, and any pages thereof, you agree to be bound by the terms and conditions below. The Information and materials contained in these pages--and the terms, conditions and descriptions that appear--are subject to change.

NO WARRANTY

The Information and materials contained in this site--including text, graphics, links or other Items--are provided "'as is," "as available." SPO Inc. does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

COPYRIGHT

Materials copyrighted by SPO Inc. or owned by any individual or entity are presented here for personal, non-commercial use only. Documents, content or images contained in this web site may not be copied or reproduced in any form without the written permission of SPO Inc.

LIMITATION OF LIABILITY

In no event will SPO Inc. be liable for any damages, including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if SPO Inc., or its representatives, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other Internet resources are at your own risk; the content, accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored or endorsed by SPO Inc.

SPO PRIVACY STATEMENT

PURPOSE OF THIS NOTICE

As provided by law, we are generally prohibited from sharing nonpublic personal information about you with a third party unless we provide you with this notice of our privacy policies and practices describing the type of information that we collect about you and the categories of persons or entities to whom that information may be disclosed. Accordingly, we are providing you with this document, which notifies you of the privacy policies and practices of SPO Incorporated. SPO Incorporated is the parent company of the Joyce R Hart Insurance Agency and the O’Shea & French Insurance Agency. We will reference SPO Incorporated as SPO Inc from here forward.

Furthermore, we wish to inform you that we do not share your personal information with any non-affiliated third parties for any purpose that is not specifically authorized by law unless we obtain your affirmative permission.

OUR PRIVACY POLICIES AND PRACTICES

1. Information we collect:

1. Categories of Information Collected and Sources Where We Collect It

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms you submit to us, from your dealings with us, and from our website.
• Information about your transactions with us, our affiliates or others.
• Information we receive from consumer reporting agencies.
• Information we receive from medical records or medical professionals.

Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.

2. Persons From Whom Information is Collected

We may collect nonpublic personal information from individuals other than those proposed for coverage.

3. Information From Credit Reports or Investigative Consumer Reports

If you authorize us to do so, we may obtain information about you from credit reports or other investigative consumer reports prepared by third parties at our request. If you authorize us to request such information and we request such information, you should be aware that:


• You have the right to request to be interviewed in connection with the preparation of an investigative consumer report.
• Upon request, you are entitled to receive a copy of the consumer reports.
• The information obtained from the reports prepared by a third party may be retained by the third party and disclosed to other persons.

2. Information we may disclose to third parties:

In the course of our general business practices, we may disclose the information that we collect (as described above) about you or others without your permission to the following types of institutions for the reasons described:

• To a third party if the disclosure will enable that party to perform a business, professional or insurance function for us.
• To an insurance institution, agent, or credit reporting agency in order to detect or prevent criminal activity, fraud or misrepresentation in connection with an insurance transaction.
• To an insurance institution, agent, or credit reporting agency for either this agency or the entity to whom we disclose the information to perform a function in connection with an insurance transaction involving you.
• To a medical care institution or medical professional in order to verify coverage or benefits, inform you of a medical problem of which you may not be aware, or conduct an audit that would enable us to verify treatment.
• To an insurance regulatory authority, law enforcement, or other governmental authority in order to protect our interests in preventing or prosecuting fraud, or if we believe that you have conducted illegal activities.
• To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services.
• To an actuarial or research organization for the purpose of conducting actuarial or research studies. In addition to those circumstances listed above, and unless you direct us not to by completing the attached Opt Out Form, we may disclose certain information about you to third parties whose only use of the information will be for the purpose of marketing a product or service. Under no circumstances will we disclose for marketing purposes:


1. any medical information;
2. information relating to a claim for a benefit or a civil or criminal proceeding involving you; or
3. personal information relating to your character, personal habits, mode of living or general reputation.

3. Your right to access and amend your personal information:

You have the right to request access to the personal information that we record about you. Your right includes the right to know the source of the information and the identity of the persons, institutions or types of institutions to whom we have disclosed such information within two (2) years prior to your request. Your right includes the right to view such information and copy it in person, or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). Your right also includes the right to request corrections, amendments or deletions of any information in our possession. The procedures that you must follow to request access to or an amendment of your information are as follows: To obtain access to your information: You should submit a request in writing to SPO Inc. 7 Cottage St Saratoga Springs NY 12866. The request should include your name, address, social security number, telephone number, and the recorded information to which you would like access. The request should state whether you would like access in person or a copy of the information sent to you by mail. Upon receipt of your request, we will contact you within 30 business days to arrange providing you with access in person or the copies that you have requested. To correct, amend, or delete any of your information: You should submit a request in writing to SPO Inc. 7 Cottage St Saratoga Springs NY. The request should include your name, address, social security number, telephone number, the specific information in dispute, and the identity of the document or record that contains the disputed information. Upon receipt of your request, we will contact you within 30 business days to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have an opportunity to challenge.

4. Our practices regarding information confidentiality and security:

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and organizational safeguards to protect information about you.

5. Internet Policies and Procedures

SPO Inc. respects the privacy of the individuals and businesses accessing/using (“Users”) its website (“Website”). SPO Inc. collects limited information about Users who visit areas of SPO Inc. Website accessible to the public (“Public Areas”). This information is automatically collected on an aggregate basis (“Aggregate Information”) to measure traffic on the Website. Aggregate Information is collected through the use of a “cookie” or small text file placed on the User’s hard drive by the User’s Internet browser. The cookie allows SPO Inc. to track the number of hits or visits to various pages on the website. When SPO Inc. website is accessed through a hyperlink on another website, the cookie will identify and track the Internet Protocol address (“IP”) that linked the User to the website. If the User did not hyperlink to SPO Inc. website from the most recently visited IP, then SPO Inc. will only identify the User’s Internet Service Provider (e.g., aol.com, msn.com, etc.). The cookie is used only during a single connection to the Website, and is not used to track user activity after leaving the Website. It is permanently disabled when the User exits the Website, and information about individual users is not collected, saved or distributed to others by SPO Inc. Aggregate information and other information gathered through voluntary User surveys and forms assists SPO Inc. to better understand users’ needs and improve the Website, and to enable SPO Inc. to demonstrate to vendors and others information about the volume and nature of its Website traffic. The website contain hyperlinks to Internet sites outside of SPO Inc.’s Website members and other businesses and resources, and each Internet site may have its own privacy and data collection policies and practices. SPO Inc. is not responsible for the privacy and data collection policies and practices of any other businesses, or for the content of their Internet sites. Users interested in the privacy and data collection policies of other businesses should review their policies. SPO Inc. makes no representations of any kind about the internet sites of other businesses and SPO Inc. disclaims all warranties and responsibilities of any kind, including, without limitation, warranties and responsibilities with respect to other businesses, resources, Internet sites, content privacy and data collection policies and practices, and actions. This notice is being provided on behalf of the following of SPO Inc.