Privacy Policy

Introduction

The Terms of Use ("Terms") of this website, including but not limited to www.altuspartners.com, www.altusprivaterisk.com and www.altuscorporaterisk.com (collectively "Website"), contained herein, shall govern your use of this Website, including all pages within this Website. These Terms apply in full force and effect to your use of this Website and by using this Website, you expressly accept all terms and conditions contained herein in full. If you have any objection to any of these Terms, you must not use the Website. Altus Partners, Inc., including employees, directors, members, agents, affiliates, officers, successors, assigns, divisions and subsidiaries are referred to as "Altus", "we", "our" or "us". In addition, "Website" includes all information, content, tools, log-ins, links and functions provided on or through the Altus Website, directly or indirectly. Altus Private Risk and Altus Corporate Risk are divisions of, and registered trade names of, Altus Partners, Inc. Altus Partners.

This Website is not for use by any minors (defined as those who are not at least 18 years of age), and you must not use this Website if you a minor.

Trademark and Copyrights

Altus owns and operates this Website. All trademarks, service marks, trade names, and logos displayed on this Website are the sole and exclusive proprietary of Altus. Nothing contained on the Website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademark displayed on this Website without the written permission of Altus or such third party that may own the trademarks displayed on this Website. Your use of the trademarks displayed on this Website, except as provided herein, is strictly prohibited.

Images displayed on this Website are either the property of, or used with permission by, Altus. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. If you download any information or software from this Website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.

Restrictions and Prohibited Usage

You are expressly prohibited from using this Website in any way that is unlawful, in contravention of these Terms, would give rise to any liability or for any commercial use not related to your relationship with Altus. In addition, you are prohibited from modifying, transmitting, transferring, selling, publishing, licensing, sublicensing, renting, distributing, displaying, copying, reproducing, storing, creating derivative works, re-engineering or altering all or any portion of this Website, including but not limited to scraping, data mining, data harvesting or data extraction. You are also prohibited from utilizing this Website in any way that would damage, impair, disable, interfere with or overburden this Website or interfere with or impact another person's use of this Website. Certain areas of this Website are restricted from access by you and Altus may further restrict access by you to any areas of this Website, at any time, in its sole and absolute discretion. Any user ID and password you may have for this Website are confidential and you must maintain confidentiality of such information. Altus reserves the right to change or delete any user ID or password at any time for any reason.

No Recommendations, Advice or Solicitation

This Website is for informational purposes only and nothing herein should be construed as a recommendation by Altus or any third party to provide legal, tax or accounting advice. Please consult your legal, tax or accounting advisors to determine how this information may apply to your own situation. Insurance products may differ and may not be available in all states.

Additionally, nothing in this Website should be considered as a solicitation to buy, offer to sell policies of insurance. Altus makes no representation, express or implied, that any information on this Website is suitable for any particular person or entity. While certain tools available on this Website may provide general analysis, the results are not to be considered advice or recommendations. Altus Partners is not an insurer and does not issue or underwrite insurance policies.

No warranties

This Website is provided "as is," with all faults, and Altus makes no express or implied representations or warranties, of any kind related to this Website or the materials contained on this Website.

Third-Party Links and Other Third-Party Content

This Website may provide links to other Websites maintained by entities not affiliated with Altus. Such links are provided only as navigation tools. The links from this Website do not imply that Altus endorses or has reviewed the Third-Party Sites. Altus makes no representations or guaranties as to information obtained from any links, including their accuracy, timeliness, suitability or completeness. As such, Altus is not responsible for, and does not make any warranty, express or implied, as to any information, products or services available from third party sites. By visiting any linked site, you agree that you do so at your own risk. We suggest contacting those sites directly for information on their privacy policies.

Limitation of liability

You agree that in no event shall Altus be liable, directly or indirectly, for any damages, losses or expenses relating to your use or inability to use this Website, including but not limited to incidental, consequential, special, punitive or other damages, whether in contract, tort, negligence, strict liability or any other legal theory. This limitation of liability includes any loss relating to use or inability to use the contents of this Website as a direct or indirect result of causes including but not limited to, electronic or mechanical failure, theft, severe weather, flooding, earthquakes and other acts of God, accident, acts of local, state or federal authorities, fire, terrorist acts, war, riots, unauthorized alterations, defects, transmission, delay in operation, hacking, viruses, labor issues, power outages, communication lines, and temporary or permanent cessation of business or Website operations for any reason.

Your exclusive remedy for dissatisfaction with this Website is to immediately discontinue using it.

INDEMNIFICATION AND HOLD HARMLESS

You hereby agree INDEMNIFY, DEFEND and HOLD HARMLESS Altus, from and against any and all claims, liabilities, costs, demands, causes of action, damages and expenses (including but not limited to attorney's fees and court costs) arising out of or in any way related to your use, inability to use, misuse and/or your violation of any of the provisions of these Terms.

Severability

If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein.

Variation of Terms

Altus is permitted to revise these Terms at any time as it sees fit, without prior notification. By using this Website you are expected to review such Terms on a regular basis to ensure you understand all terms and conditions governing use of this Website.

Assignment

Altus shall be permitted to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification or consent required. However, you shall not be permitted to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.

Entire Agreement

These Terms, including any legal notices and disclaimers contained on this Website, constitute the entire agreement between Altus and you in relation to your use of this Website, and supersede all prior agreements and understandings with respect to the same.

Termination of Use

We reserve the right in our sole discretion to restrict or terminate your access to this Website, or any part(s) thereof, for any reason, without prior notice or liability.

Reservation of Rights

We reserve the right to modify, add, amend, delete, update, restrict, discontinue or otherwise change any portion or the entirety of this Website and terms, disclosures and conditions of use at our sole discretion without any prior notice or liability to you. If you continue to use this Website, you will be deemed to have accepted any such modifications, additions, amendments, deletions, updates, restriction, discontinuances and other changes.

Governing Law & Jurisdiction

These Terms will be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, regardless of conflicts of laws, and you agree and submit to the non-exclusive jurisdiction of the state and federal courts located in Pennsylvania for the resolution of any disputes arising out of the use, misuse or inability to use this Website, or violation of any of the Terms of herein.

WEBSITE PRIVACY POLICY

Updated: January 2, 2019

Introduction

Your privacy is important to us. Altus Partners is committed to the confidentiality and privacy of our individuals' and businesses' non-public personal information. This commitment extends to all Website visitors, prospective clients, clients with whom Altus has a relationship, including former clients.

Altus Partners, Inc., including employees, directors, members, agents, affiliates, officers, successors, assigns, divisions and subsidiaries are referred to as "Altus", "we", "our" or "us".

This privacy notice discloses the privacy practices relating to www.altuspartners.com, www.altusprivaterisk.com and www.altuscorporaterisk.com (collectively "Website"). This privacy notice applies solely to information collected by this Website.

Information Collection, Use, and Sharing

We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, including but not limited to for the purposes of marketing, and providing such information to insurance markets.

Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.

Your Access to and Control Over Information

You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our Website:

  • See what data we have about you, if any.
  • Change/correct any data we have about you.
  • Have us delete any data we have about you.
  • Express any concern you have about our use of your data.

Questions or Requests

If you have a question or a complaint about this privacy policy please contact us at 610-526-3160 or Altus@altuspartners.com.

Altus clients that unfortunately suffer a loss or are involved in an insurance claim or potential insurance claim should immediately contact Altus via the dedicated email claims@altuspartners.com or their appropriate claims or account representative. This information should not be submitted through the Website.

Security

We take precautions to protect your information. When you submit sensitive information via the Website, your information is protected both online and offline.

Wherever we collect sensitive information (such as credit card data, bank account numbers or social security numbers) that information is encrypted and transmitted to us in a secure way. For your security, please do not provide PII to Altus via the Website, as this information may be shared securely via other means, including but not limited to encrypted emails or secure electronic document rooms. We can and will instruct you on more secure methods of sharing this information than through the Website.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information are granted access to PII. The computers/servers in which we store PII are regularly backed up and kept in a secure environment.

Cookies

This Website may place "cookies" on your computer or device. Cookies are small data files stored on your computer or electronic device at the request of a website or our Website. A cookie assigns a unique numerical identifier to your web browser or device, and may enable us to recognize you as the same user who was at our Website in the past, collect general Website usage information (such as pages visited and time spent on each page), and perform analytics on Website usage information so we can improve its design, features and content. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any PII on our site.

Most browsers can be set to detect cookies and give you an opportunity to reject them, but refusing cookies may, in some cases, inhibit or preclude your use of the Website or its features. We may utilize Google Analytics or other third-parties for certain web analytics. You can opt out of your Website usage data being included in our Google Analytics reports by visiting https://tools.google.com/dlpage/gaoptout.

Sharing

We may obtain aggregated demographic information from visitors to the Website. This is not linked to any personal information that can identify any individual person. Such information may be shared with third-parties to assist us in improving the use and functionality of the Website.

Third-Party Links and Other Third-Party Content

This Website may provide links to other Websites maintained by entities not affiliated with Altus. Such links are provided only as navigation tools. The links from this Website do not imply that Altus endorses or has reviewed the Third-Party Sites. Altus makes no representations or guaranties as to information obtained from any links, including their accuracy, timeliness, suitability or completeness. As such, Altus is not responsible for, and does not make any warranty, express or implied, as to any information, products or services available from third party sites. By visiting any linked site, you agree that you do so at your own risk. We suggest contacting those sites directly for information on their privacy policies.

European Union Residents Notice

Any information we collect from users of this Website within the European Union, will be transferred to, and stored at, destinations outside the European Economic Area (the "EEA") including, without limitation, in the United States. It will also be processed by staff operating outside the EEA who work for us or for one of our suppliers. By submitting your personal data, you consent to its storage, processing and transfer outside the EEA, including, without limitation, in and to the United States.

Third-Party Links and Other Third-Party Content

This Website may provide links to other Websites maintained by entities not affiliated with Altus. Such links are provided only as navigation tools. The links from this Website do not imply that Altus endorses or has reviewed the Third-Party Sites. Altus makes no representations or guaranties as to information obtained from any links, including their accuracy, timeliness, suitability or completeness. As such, Altus is not responsible for, and does not make any warranty, express or implied, as to any information, products or services available from third party sites. By visiting any linked site, you agree that you do so at your own risk. We suggest contacting those sites directly for information on their privacy policies.

Notification of Changes

The terms, conditions and details of this Privacy Policy may change from time to time and, therefore, you are strongly encouraged to review this Privacy Policy regularly. If we decide to change our Privacy Policy, we will provide the date on which the Policy was last updated. Altus reserves the right to change this Policy at any time for any reason. The date of the most recent version should be consulted. Please keep note of this date to determine when a new version has been updated from a previous version.

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