Privacy Policy and Practices of The Burnham & Flower Insurance Group

At Burnham & Flower Insurance Group, we are committed to protecting your privacy as a visitor to this web site and as our customer. To our visitors and to our customers, we offer this pledge:

Burnham & Flower Insurance Group is the owner of the information, which is collected on this web site. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this privacy policy.

Information Collection
We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us.  We will also ask you to provide your personal information to us when you send e-mail to us from this web site.  When you apply for a personal insurance policy through Burnham & Flower Insurance Group, we will ask you to provide your name, home/business address, mailing address, telephone number and e-mail address.  This information will be provided to the insurance company so that when you purchase an insurance policy they can establish you as a policyholder.  We will maintain a record of your information at the offices of Burnham & Flower Insurance Group so we can provide you with policyholder service.  The employees of Burnham & Flower Insurance Group are each required to sign and acknowledge a confidentiality and non-disclosure agreement.  Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting our customers' personal information.

When you purchase an insurance policy through Burnham & Flower Insurance Group, you will pay the premiums with a check, money order, etc.  When you pay the premium using your check, money order, etc. we will keep an electronic copy on file.

When you send us e-mail from this web site, you will provide us with certain personally identifiable information including your e-mail address.

Cookies
A cookie is a piece of data that is stored on a visitor's hard drive while they are visiting this Web site. We may use a short-lived form of cookie when you visit this site.  At Burnham & Flower Insurance Group, a cookie is only used to identify one unique visitor from another visitor during a particular session.  A session is the period of active site use while that unique visitor is linked to our server.  We may use cookie technology during a session as a tool to carry forward your information entered during the enrollment process.  This enables the visitor to enter their information once and have the information appear later during the enrollment process.  No personally identifiable information is stored on the cookie. The cookie expires and is deleted from the visitor's computer as soon as they close their browser or if they are not actively browsing our web site for more than 20 minutes.  Should a previous visitor to our web site return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.

Third Party Links
This web site may contain links to third party web sites that are not controlled by Burnham & Flower Insurance Group.  These third party links are made available to you as a convenience and you agree to use these links at your own risk.  Please be aware that Burnham & Flower Insurance Group is not responsible for the content of third party web sites linked to Burnham & Flower Insurance Group's site, nor are we responsible for the privacy policy or practices of third parties' web sites linked to Burnham & Flower Insurance Group.  Our privacy policy only applies to information we collect from you while you are at and while you are actively in a session with Burnham & Flower Insurance Group.  If you should link to a third party web site from Burnham & Flower Insurance Group's site, we strongly encourage you to review and become familiar with that web site's privacy policy.

Changes In Our Privacy Policy
We reserve the right to change this privacy policy without providing you with advance notice of our intent to make the changes.

If you have any questions about our privacy policy, please feel free to contact us in writing at:

Burnham & Flower Insurance Group
Attention:  Ms. Marguerite Davenport
315 S. Kalamazoo Mall
Kalamazoo, MI  49007
e-mail:  mdavenport@bfgroup.com