PRIVACY POLICY

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This privacy policy (“Privacy Policy”) generally describes the information Skyfront collects when you access or use its website and any of its applications, products or services (collectively, the “Services”). It also explains how we use and share the information and what steps we take to protect it.

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Please also review the Terms and Conditions that govern your use of our Services.

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1. Information We Collect

The types of information we collect and share depends on the product or Services you have with us. This information can include:

• Your name, contact information, driver’s license number and social security number;

• Your date of birth, gender, and marital status;

• Your log-in information when you log into our website;

• Business ownership information, including profit sharing and ownership interests; and

• Your payment history and claims information.

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If you use our website, we may also collect information about the browser you are using. This information can include:

• Your IP address or other device identifying information, browser type, browser language, the date and time of your request, and one or more cookies that may uniquely identify your device; and

• Information obtained through the use of cookies, flash cookies, web beacons or embedded script.

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We may supplement the information we collect about you with information from third parties. This information may include:

• Information from other sources such as financial, employment, medical or health care or other third parties; and

• Information from other reporting agencies and state and federal government agencies, such as state motor vehicle departments and credit reporting agencies.

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We treat all information about you, whether received from you or from a third party, in accordance with this Privacy Policy and our Terms and Conditions.

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2. How Do We Use The Information We Collect?

We use the information we collect to provide, maintain, protect, optimize and improve our Services, and to enhance your user experience. We may also use the information we collect in the following ways:

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Every Day Business Purposes:

We use the information you provide to maintain your account(s), report to credit bureaus, process or service requested or authorized transactions, secure quotations for insurance, obtain insurance coverage or report or process claims.

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For Our Own Analytic Purposes:

Skyfront may also use your information to develop new Services, conduct research and to create anonymous or aggregated reporting for its own use.

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For Our Own Marketing Purposes:

Skyfront may use your information to offer products or Services to you.

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To Comply with Legal Requirements:

It may be necessary to provide information collected from you to respond to subpoenas, other discovery requests, legal investigations or court orders. We may share information pursuant to a governmental agency or investigatory body request. We may also share your information as required by the Fair Credit Reporting Act.

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3. How Is Your Information Shared?

Skyfront does not share, sell, rent or otherwise distribute your personal information except:

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With Our Service Providers:

We may share your personal information with other companies and individuals to perform functions or services for us or on our behalf, such as hosting this site, sending e-mail messages, and making phone calls. These parties are contractually restricted from using any personal information for purposes other than providing services for Skyfront or on our behalf.

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For Administrative and Legal Reasons:

See Section 2 above. Additionally, Skyfront also reserves the right to disclose or use information if it has a good faith belief that such action is necessary to: (a) protect and defend the rights, property, or safety of Skyfront or its affiliates, other users of this website, or the public; (b) enforce the Terms and Conditions; (c) respond to claims that any content violates the rights of third parties; (d) respond to claims of suspected or actual illegal activity; (e) detect, address or prevent fraud, security or technical issues; or (f) respond to an audit.

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4. How Can You Limit The Sharing of Your Data?

Skyfront respects your privacy and your right to limit the sharing of your information. The following identifies ways in which you can limit the sharing of your information and data:

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You can contact us at any time to limit our sharing by using the contact information at the bottom of this Privacy Policy. Please note, however, that federal law gives you the right to limit only:

• Sharing for affiliates’ everyday business purposes – information about your creditworthiness;

• Affiliates from using your information to market to you; and

• Sharing for non-affiliates to market to you.

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State laws may give you additional rights to limit sharing.

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You can also opt out of receiving marketing emails by following the instructions in any marketing email or text message you receive.

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If you do not wish to allow our website to use cookies or similar technology, you may configure your browser to block them. Please understand that blocking cookies may reduce the functions and Services our website makes available to you.

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For more information on how to reject or delete cookies, you should consult with your browser’s or device’s help documentation or visit www.aboutcookies.org. At this time, Skyfront does not respond to automated signals regarding tracking mechanisms, including “do not track” instructions from your browser. You can also opt out of internet-based advertising by installing a browser plugin from third parties where available.

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5. What Steps Does Skyfront Take To Protect Your Information?

To protect your personal information from unauthorized access and use, we utilize security measures that comply with federal law. These measures include administrative, technical and physical safeguards. We restrict access to your personal information to those employees or service providers who need to know such information in order to provide the requested Services or products.

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We cannot guarantee the security of our systems, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the internet.

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6. Some Other Matters

Accessing and Correcting Your Information:

Keeping your information accurate and up-to-date is very important since inaccurate or incomplete information could impact our ability to deliver Services to you. Please let us know about any changes that may be required to your personal information by updating your account profile or by contacting your account executive.

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Continued Use of Information:

Even if you are no longer our customer, we may continue to share your information as described in this Privacy Policy.

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External Links and Third Party Privacy Policies:

Skyfront may post links to third party web sites that are governed by their own terms and are not subject to this Privacy Policy. We do not exercise control over these third party sites and are not responsible for the privacy practices of any third party. We encourage you to read the privacy policies and terms of use of any third party web sites you visit.

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Applicability of Privacy Policy to International Users:

The Services are operated in the United States and intended for users located in the United States. If you access this site from a location outside of the United States, your information may be transferred to the United States and you agree to such transfer. Furthermore, you acknowledge that the United States may not provide the same level of protections as the laws of your country.

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Children:

The Services are not intended for anyone under the age of 18. We do not knowingly collect, use or disclose information of children under the age of 13 without the consent of their parents or legal guardians. We will delete any personal information collected that we determine to be from a user younger than the age of 13.

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Rights of California Residents:

Skyfront does not share or disclose your personal information to third parties for the third parties’ direct marketing purposes. Therefore, California’s “Shine the Light” law (California Civil Code § 1798.83) does not apply to Skyfront.

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Communications:

For additional information, or if you have questions regarding this Privacy Policy or privacy practices at Skyfront, please send correspondence to privacy@embroker.com or via postal mail to:

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Skyfront
Attn.: Legal Department
1980 Festival Plaza Dr., Suite 425
Las Vegas, NV 89135

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Changes to Privacy Policy:

This Privacy Policy may be revised at any time to reflect changes in the law or in Skyfront’s business operations. Any changes will be effective immediately upon the posting of the revised Privacy Policy. Sometimes there may be material changes to this Privacy Policy that we want to apply retroactively. If so, we will notify you and obtain your consent to the extent required by law.