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Privacy Policy

CNC Catastrophe & National Claims

Privacy Policy

Effective August 29, 2020

Protecting your private information is our priority. This Statement of Privacy applies to www.adjustingexpectations.com and CNC Catastrophe & National Claims and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to CNC Catastrophe & National Claims include www.adjustingexpectations.com and CNC. The CNC website is a news and information site. By using the CNC website, you consent to the data practices described in this statement.

Collection of Your Personal Information

In order to better provide you with products and services offered on our Site, CNC may collect personally identifiable information, such as your:

  • First and Last Name
  • Email Address
  • Phone Number
  • Job Title

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through CNC's public message boards, this information may be collected and used by others.

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

Use of Your Personal Information

CNC collects and uses your personal information to operate its website(s) and deliver the services you have requested.

CNC may also use your personally identifiable information to inform you of other products or services available from CNC and its affiliates.

Sharing Information with Third Parties

CNC does not sell, rent or lease its customer lists to third parties.

CNC may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to CNC, and they are required to maintain the confidentiality of your information.

CNC may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on CNC or the site; (b) protect and defend the rights or property of CNC; and/or (c) act under exigent circumstances to protect the personal safety of users of CNC, or the public.

Tracking User Behavior

CNC may keep track of the websites and pages our users visit within CNC, in order to determine what CNC services are the most popular. This data is used to deliver customized content and advertising within CNC to customers whose behavior indicates that they are interested in a particular subject area.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by CNC. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the CNC website.

Links

This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Children Under Thirteen

CNC does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

E-mail Communications

From time to time, CNC may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication.

If you would like to stop receiving marketing or promotional communications via email from CNC, you may opt out of such communications by clicking on the Unsubscribe button or replying STOP.

SMS Communications

From time to time, CNC may contact you via SMS for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication.

If you would like to stop receiving marketing or promotional communications via SMS from CNC, you may opt out of such communications by replying STOP.

SMS consent is not shared with third parties.

Changes to This Statement

CNC reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Your continued use of the Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

Claimsource

It is the written policy of CNC that all information contained within CNC's claims management system including copy, training materials, files, policies, testing exams, system structure, and all other information is the exclusive property of CNC and/or their clients. No information is to be used, disseminated, or otherwise posted or shared with other parties nor on websites, blogs, or any other forum, public or private. All questions concerning any materials related to CNC or their clients should be addressed to CNC only.

Contact Information

CNC welcomes your questions or comments regarding this Statement of Privacy. If you believe that CNC has not adhered to this Statement, please contact CNC at:

CNC Catastrophe & National Claims
2928 N McVay Dr
Mobile, Alabama 36606
Telephone number: 251-471-4718


Copyright, Credit, and Logo
This Privacy Policy is based on a General Data Protection Regulation (Regulation (EU) 2016/769) (GDPR) compliant template provided by GDPR Privacy Policy. For further information, please visit  https://gdprprivacypolicy.org The copyright in this Privacy Policy is either owned by, or licensed to, us and is protected by copyright laws around the world and copyright protection software. All intellectual property rights in this document are reserved. Where we display the GDPR Privacy Policy logo on our website, this is used to indicate that we have adopted a privacy policy template provided by GDPR Privacy Policy as the basis for this Privacy Policy. 

California Do Not Track Disclosures
“Do Not Track” is a privacy preference that users can set in their web browsers. When a user turns on a Do Not Track signal in their browser, the browser sends a message to websites requesting that they do not track the user. For information about Do Not Track, please visit www.allaboutdnt.org. For information on how to opt out from tracking technologies used on our website, see our cookies policy which is available here:

Cookies Policy

This Cookies Policy sets out the basis on which we, adjustingexpectations.com, use cookies and similar technologies on or in relation to our website, www.adjustingexpectations.com (our website). This Cookies Policy is effective from May 24, 2018. 'Essential' cookies are automatically placed on your computer or device when you access our website or take certain actions on our website. For residents of the European Union, 'non-essential' cookies and other technologies are only placed on your computer or device if you have consented to us doing so. Customers outside of the EU can modify their use of 'non-essential' cookies and other technologies by reviewing the information contained below or in the section How to Accept or Reject Cookies. For information on the difference between essential and non-essential cookies, see the section below entitled About Cookies. For information on how you consent and how you can withdraw your consent to us placing non-essential cookies and other technologies on your computer or device, see the section below entitled How to Accept or Reject Cookies.

Contents
About Cookies
Essential Cookies and Non-essential Cookies
Web Beacons
Facebook Pixel
How to
About Cookies 

ABOUT COOKIES

What are Cookies?
Cookies are small data files sent by a website’s server to a web browser, processor memory, or hard drive and stored there. They can be used for a range of different purposes, such as customizing a website for a particular user, helping a user navigate a website, improving that user’s website experience, and storing that user’s preferences and login information. 

LIST OF COOKIES USED

Essential and Non-essential Cookies
Cookies can be classified as either ‘essential’ or ‘non-essential’. Essential cookies: these are cookies that are either used solely to carry out or facilitate the transmission of communications over a network; or strictly necessary to provide an online service (e.g. our website or a service on our website) which you have requested. Non-essential cookies: these are any cookies that do not fall within the definition of essential cookies, such as cookies used to analyze your behavior on a website or personalize site and email content to your interest (‘functional’ cookies) or cookies used to display advertisements to you (‘advertising’ cookies). 

Session and Persistent Cookies
 
Cookies can be classified as either ‘session’ or ‘persistent,’ depending on how long they last after they are placed on your browser. Session cookies: session cookies last for as long as you keep your browser open. They expire when you close your browser. Persistent cookies: persistent cookies expire at a fixed point in time or if you manually delete them from your browser, whichever occurs first. 

First and Third Party Cookies
Cookies can be classified as ‘first party’ or ‘third party’. First party cookies: these are cookies placed on your device by our website domain. Third party cookies: these are cookies placed on your device by third party website domains. If you require further information about cookies in general, please visit  www.allaboutcookies.org.

This website uses cookies. We use cookies to personalize content and ads, to provide social media features and to analyze our traffic. We also share information about your use of our site with our social media, advertising, and analytics partners who may combine it with other information that you’ve provided to them or that they’ve collected from your use of their services. Cookies are small text files that can be used by websites to make a user's experience more efficient.

The law states that we can store cookies on your device if they are strictly necessary for the operation of this site. For all other types of cookies we need your permission.

This site uses different types of cookies. Some cookies are placed by third party services that appear on our pages. Your consent applies to the following domains: www.adjustingexpectations.com.

Necessary (29)
Necessary cookies help make a website usable by enabling basic functions like page navigation and access to secure areas of the website. The website cannot function properly without these cookies. 

Statistics (19)
Statistic cookies help website owners to understand how visitors interact with websites by collecting and reporting information anonymously. 

Marketing (53)
Marketing cookies are used to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third party advertisers. 

Unclassified (3)
Unclassified cookies are cookies that we are in the process of classifying, together with the providers of individual cookies.

Legal Basis for Processing: We process information about you contained in or obtained from essential cookies in our legitimate interests (Article 6(1)(f) of the General Data Protection Regulation).

Legitimate Interests
 
Ensuring our site functions properly and providing you with online services you have requested. 

HOW TO OPT OUT OF ESSENTIAL COOKIES

Most browsers allow you to block all cookies, including essential cookies. Please note, however, that if you block all cookies, parts of our website and its functionality may not work or display properly. You can delete existing cookies from your browser by clearing your browsing data and ensuring that the option to delete cookies is selected. For more detailed information on how to accept and reject cookies, including guidance for specific browsers, please see the section below entitled How to Accept or Reject Cookies. 

NON-ESSENTIAL COOKIES
We use the following types of non-essential cookies on our website:

Functional Cookies
Analytical (or Performance) Cookies
Targeting (or Advertising) Cookies

FUNCTIONAL COOKIES
 
These are cookies that are designed for purposes such as enhancing a website’s functionality. These are either not strictly essential for the website or functionality which you have requested to work, or are cookies which serve non-essential purposes in addition to their essential purpose.

How to opt in or out from functional cookies see the section below entitled How to accept or reject cookies.Processing information about you contained in or obtained from functional cookies.

Legal basis for processing: we process information about you contained in or obtained from functional cookies in our legitimate interests (Article 6(1)(f) of the General Data Protection Regulation). We will only process such personal information if you have consented to us placing cookies on your computer or device.

Legitimate interests
: improving your website experience and providing or enhancing the website functionality you have requested via personalization technology. Additionally, we use this information to determine where users may be encountering errors or bugs on the site or to solicit feedback from users on how the site may be improved or what products we should offer in the future. This information is analyzed in an aggregated, anonymous manner where individual user data cannot be viewed.

For further information on how we use the information gathered from our use of functional cookies, please see the section entitled Our use of automated decision making and profiling  in our privacy policy. STATISTICAL (OR PERFORMANCE) COOKIES Statistical (or performance) cookies track and gather data about what a user does on a website. These cookies are not essential for our website or its functionality to work. 

The Google Analytics cookies used on our website are: _ga, _gat, _gid, collection. The information we collect using analytical cookies is collected on an anonymized basis.More informationGoogle Analytics cookies are classified as first party cookies as they are set by our website domain, although Google collects and processes information from our use of Google Analytics. To find out more about how Google handles information collected from Google Analytics, see Google Analytics’ privacy policy, which is available here:  https://support.google.com/analytics/answer/6004245

For information on how Google uses data from cookies it uses, please visit  www.google.com/policies/privacy/partners/How to opt in or out from analytical cookiesSee the section below entitled How to accept or reject cookies.To opt out of Google Analytics tracking across all websites in general, you can do so here:  http://tools.google.com/dlpage/gaoptout Processing information about you contained in or obtained from analytical cookies.

Legal basis for processing: we process information about you contained in or obtained from analytical cookies in our legitimate interests (Article 6(1)(f) of the General Data Protection Regulation).

Legitimate interests
: analyzing how individuals use our website to help us improve our website and business. For further information on how we use the information gathered from our use of analytical cookies, including profiling, please see the section entitled Our use of automated decision making and profiling  in our privacy policy. 

MARKETING (OR ADVERTISING) COOKIES
Marketing (or advertising) cookies record information about your visit to and use of our website, for advertising purposes. We use the targeting cookies for the following purposes on our website: to let you share User Generated Content (UGC) or products on our site via social media networks such as Facebook or Instagram. For information on third party targeting or advertising cookies we use on our website, please see the section below entitled Third party cookies .How to opt in or out from marketing cookiesSee the section below entitled How to accept or reject cookies. Processing information about you contained in or obtained from advertising cookies.

Legal basis for processing: we process information about you contained in or obtained from advertising cookies in our legitimate interests (Article 6(1)(f) of the General Data Protection Regulation).

Legitimate interests
: displaying advertisements to you about our products and services. 

THIRD PARTY COOKIES
Third parties use cookies to analyze your use of our website and/or to display advertisements (including third party advertisements) to you. Google AdWords cookies  to track whether you have come to us via an advertisement we have placed on a search engine results page AND/OR elsewhere across the internet, such as another website and to record information relating to how you came to us such as your location when you accessed our website, the time of day you visited and the device you were using and  how much you may buy. Google may use different cookies to track how you came to our website depending on what advertisement you clicked on and where. Google remarketing cookies  to display advertisements to you about our goods and services across the internet, including on other websites you visit. Google uses cookies to display advertisements to you about our products and services on other websites and locations across the internet based on the fact that you have visited our website. Google may also display other advertisements across the internet to you about third party services using the Google AdSense network, although this is beyond our control. For more information about Google remarketing, click here: https://support.google.com/adwords/answer/2453998?hl=en 

For information about the cookies Google uses in relation to the above, see the ‘Advertising’ section on the Types of cookies used by Google page in Google’s cookies policy, which is available here: https://www.google.com/policies/technologies/types/

For information about how Google uses data from cookies for its own purposes, please visit the following link www.google.com/policies/privacy/partners/ 

How to opt in or out from third party cookiesSee the section below entitled How to accept or reject cookies.Processing information about you contained in or obtained from third party cookies.

Legal basis for processing: we process information about you contained in or obtained from third party cookies in our legitimate interests (Article 6(1)(f) of the General Data Protection Regulation).

Legitimate interests
: the purposes for which we use the third-party cookies as described above. For further information on how we use the information gathered from our use of third-party cookies, including automated decision making and profiling, please see the section entitled Our use of automated decision making and profiling in our privacy policy. 

OTHER TECHNOLOGIES 
Web beacons
We and any marketing companies we use such as Mailchimp also embed web beacons in our marketing emails and on our website. Web beacons are small GIF image files which enable us to track your receipt of our marketing emails, how often you view our website pages, your location, IP address and browser information. Web beacons are activated whenever you open a marketing email or access a page on our website which contains a web beacon. Web beacons transmit data when you view them but are not capable of accessing any other information on your computer. Web beacons are not stored on your hard drive unless you download a GIF image containing them.Some (but not all) browsers enable you to restrict the use of web beacons by either preventing them from sending information back to their source (for example, when you choose browser settings that block cookies and trackers), or by not accessing the images containing them (for example, if you select a ‘do not display images (in emails)’ setting in your email server). How to opt in or outSee the section below entitled How to accept or reject cookies. 

Legal basis for processing: we process the information we gather from the use of web beacons in our legitimate interests (Article 6(1)(f) of the General Data Protection Regulation).

Legitimate interest: analyzing the effectiveness of our email marketing campaigns and determining which products may be the most relevant to your interests. For further information on how we use the information gathered from our use of web beacons, including automated decision making and profiling, please see the section entitled Our use of automated decision making and profiling in our privacy policy. 

Facebook Pixel
We use a Facebook Pixel on our website. Facebook Pixel is a tracking code which allows us to track and monitor the success of advertisements we use on Facebook and to improve the effectiveness of those advertisements by recording information such as the device you used to access our website and the actions you took on our website using cookies. We may also use Facebook Pixel to create retargeting advertisements and custom audiences for our advertisements on Facebook and on our website.Facebook aggregates data gathered from our use of Facebook Pixel on our website with data it gathers from other sources, in order to improve and target advertisements displayed on its website or via its services, to improve its systems and to provide measurement services to third parties which use Facebook’s advertising services. You can find out more about how Facebook handles information they collect about you and other individuals by accessing their privacy policy, which is available here:  https://www.facebook.com/about/privacy  Please note, however, that Facebook’s GDPR compliance status is beyond our control and Facebook has already been fined for breaches of EU privacy law under current legislation, in particular for not getting proper consent to the processing of personal information (you can find out more about this here:  https://uk.reuters.com/article/us-facebook-spain-fine/facebook-fined-1-2-million-euros-by-spanish-data-watchdog-idUKKCN1BM1OU). How to opt in or outSee the section below entitled How to accept or reject cookies.

Legal basis for processing: we process the information we gather from the use of web beacons in our legitimate interests (Article 6(1)(f) of the General Data Protection Regulation).

Legitimate interest: analyzing the effectiveness of our advertisements on Facebook. For further information on how we use the information gathered from our use of Facebook Pixel , including automated decision making and profiling please see the section entitled Our use of automated decision making and profiling in our privacy policy.  

HOW TO ACCEPT OR REJECT COOKIES 

There are a number of different ways in which you can accept or reject some or all cookies and similar technologies. You are welcome to block the use of some or all of the cookies we use on our website. However, please be aware that doing so may impair our website and its functionality or may even render some or all of it unusable. Additionally, added functionality which is provided by personalization technologies will likely not work- impairing our ability to provide content or products which are most relevant to you. You should also be aware that clearing all cookies from your browser will also delete any cookies that are storing your preferences, for example, whether you have accepted cookies on a website or any cookies that are blocking other cookies. You can find more detailed information about cookies and adjusting your browser settings by visiting www.allaboutcookies.org.

Accepting or Rejecting Cookies
‍Cookie Control Tool: You can accept or reject non-essential cookies by using our cookie management tool. European residents browsing from the EU will see this upon first visiting the site. Upon page load, only our essential cookies are set on your computer. Specific, granular consent must be provided into the cookie control tool in order for you to make use of non-essential cookies. Browser Settings: You can accept or reject some or all cookies (for example, blocking all third-party cookies) by adjusting your browser settings. If you do not know how to do this, the links below set out information about how to change your browser settings for some of the most commonly used web browsers:

Google Chrome: https://support.google.com/chrome/answer/95647?hl=en-GB

Mozilla Firefox: https://support.mozilla.org/en-US/kb/delete-browsing-search-download-history-firefox?redirectlocale=en-US&redirectslug=Clear+Recent+History

Microsoft Internet Explorer: https://support.microsoft.com/en-us/help/278835/how-to-delete-cookie-files-in-internet-explorer

Apple Safari: https://support.apple.com/kb/PH5042?locale=en_US

Some browsers, such as Chrome and Firefox, allow you to change your settings to browse in ‘incognito’ mode, limiting the amount of data placed on your machine and automatically deleting any persistent cookies placed on your device when you finish your browsing session. There are also many third-party applications which you can add to your browser to block or manage cookies. 

Existing Cookies
To clear cookies that have previously been placed on your browser, you should select the option to clear your browsing history and ensure that the option to delete or clear cookies is included when you do so. 

Google Ads Settings
You can manage and opt out of personalization of advertisements by Google by visiting Google’s ad settings page here: https://adssettings.google.com/ and by unticking the button entitled ‘Also use Google Account activity and information to personalize ads on these websites and apps and store that data in your Google Account;' and switching the ‘Ads Personalization’ setting off (i.e. by ensuring the switch at the top of the page is set to the left/grey and not the right/blue). Alternatively, you can install a free browser plugin here: https://support.google.com/ads/answer/7395996 

Google Analytics Opt-out Browser Add-on
You can opt out of Google Analytics tracking by installing the browser add-on which is available here: http://tools.google.com/dlpage/gaoptout 

Web Beacons
You can opt in to us using web beacons in our marketing emails by electing to use marketing cookies. You can opt out of our use of web beacons in our marketing emails by going to the bottom of any email from us and clicking 'unsubscribe' or by emailing marketing@cnc-resource.com

Facebook Pixel
You can block the Facebook Pixel using our cookie control tool by electing not to consent to advertising cookies. Disconnect for Facebook: You can install a browser add-on tool called ‘Disconnect Facebook pixel and FB tracking.’ This will stop Facebook tracking you on third-party websites. You can install the tool here:

For Chrome: https://chrome.google.com/webstore/detail/disconnect-facebook-pixel/nnkndeagapifodhlebifbgbonbfmlnfm?hl=en

For Firefox: https://addons.mozilla.org/en-GB/firefox/addon/facebook-disconnect/ 

European Interactive Digital Advertising Alliance Tool
You can opt out of Facebook and other companies that participate in the Digital Advertising Alliance in Europe from showing you interest based ads by visiting http://www.youronlinechoices.com, selecting your country, clicking ‘Your Ad Choices,’ then locating Facebook (and any other companies you want to block) and selecting the ‘Off’ option.