Legal

Legal

PLEASE NOTE:

Walsh Duffield Companies, Inc. consists of a number of legal entities, including Walsh Duffield Companies, Inc.; Sardinia Associates LLC & Sardinia Associates LLC D/B/A Garrick Insurance Agency; Walsh Quinn Agency, LLC.  Walsh Duffield Companies, Inc. also works in partnership with Mickles Agency, Inc.; Wilkins Insurance Agency, Inc. and Tracy Johnson Consulting.

General Disclaimer

Notwithstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind. The data contained herein is for informational purposes only and is not represented to be error free.

This Web site may contain links to third-party Web sites that are not controlled by Walsh Duffield Companies, Inc. Please be aware that Walsh Duffield Companies, Inc. is not responsible for the content of third-party Web sites linked to Walsh Duffield Companies, Inc. nor are we responsible for the privacy policy or practices of third-party Web sites linked to Walsh Duffield Companies, Inc. Our privacy policy only applies to information we collect from you while you are at and while you are actively in a session with Walsh Duffield Companies, Inc. If you should link to a third-party Web site from Walsh Duffield Companies, Inc., we strongly encourage you to review and become familiar with that Web site’s privacy policy.

 

Solicitation of Insurance

Despite the efforts of Walsh Duffield Companies, Inc. to provide accurate information, it is not possible to completely ensure that all information is constantly correct. The material presented on this server could include technical inaccuracies or typographical errors. As such, Walsh Duffield Companies, Inc. does not accept any responsibility or liability for any actions taken as a result of using this information. Further, Walsh Duffield Companies, Inc. assumes no responsibility for errors or emissions in the materials on this web site.

 

Privacy Policy

We recognize that our relationships with current and prospective clients are based on integrity and trust. We work hard to maintain your privacy and are very careful to preserve the private nature of our relationship with you. At the same time, the very nature of our business sometimes requires that we collect or share certain information about you with other organizations or companies in order to provide you with the products and services that best meet your individual needs. We advise that you verify information in which you intend to place any sort of reliance before acting upon it.

The Financial Services Modernization Act, enacted by Congress and Regulation 169, adopted by the New York Insurance Department, require financial institutions like Walsh Duffield Companies, Inc. to tell their customers how they treat personal information they collect and maintain about them.

 

Information We Collect

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

  • Information we receive from you on applications or other forms, or verbally. This includes information you provide in writing, over the telephone, in person, or by any other means.
  • Information about your transactions with us, our affiliates, or others. This might include such things as your loss history, payment history or account balances.
  •  Information we receive from any consumer reporting agencies. This might include information on prior insurance claims or on creditworthiness.
  • Information we secure from public records. This might include telephone number or government real estate records.
  • Information we secure from inspection vendors. This might include information from a property inspection service or a vendor who calls you directly in order to update policy information for renewal policies.
  • IP addresses and cookies: We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and in order to create reports.  This is statistical data about our users’ browsing actions and patterns, and does not identify any individual. The only cookies in use on our site are for Google Analytics. Google Analytics uses first-party cookies to track visitor interactions used to collect information about how visitors use our site. We then use the information to compile reports and to help us improve our site. Cookies contain information that is transferred to your computer’s hard drive. These cookies are used to store information, such as the time that the current visit occurred, whether the visitor has been to the site before and what site referred the visitor to the web page. Google Analytics collects information anonymously.  It reports website trends without identifying individual visitors. You may opt out of Google Analytics without affecting how you visit our site – for more information on opting out of being tracked by Google Analytics across all websites you use, visit this Google page

 

Information We Disclose

We do not disclose any nonpublic personal financial information about our customers or former customers to anyone, except as permitted by law. We will not disclose information to other companies who may want to sell their products or services to you. As an example, we will not sell your name or information to a direct marketing or telemarketing company that is not affiliated with us. Some examples of when we might disclose information, as permitted by law, are:

  • Information may be provided with your consent or at your direction. For example, you might request that we provide your policy or payment information to a mortgagee or loss payee so that you may secure a loan.
  • We must provide information when subpoenaed or required by a court of law or by other regulatory or law enforcement agencies. We may have to report information to comply with state, federal, or local laws.
  • We may provide information to someone you have designated with a legal or beneficial interest, or who is acting in a fiduciary or representative capacity on your behalf.
  • We may provide information to a consumer-reporting agency.
  • Information may be provided in conjunction with a sale or merger of business to another company.
  • We may provide information to fraud prevention personnel or agencies.
  •  Information may be provided to a service vendor in order to process your policy or service your account.
  •  Information may be sent to persons who are charged with assessing our company’s compliance with industry standards, with our attorneys, accountants, and auditors.

 

How We Protect Your Information

Our associates and independent service providers are instructed to keep your information in a confidential manner. We restrict access to nonpublic personal financial information about you to those associates and independent service providers who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to guard your nonpublic personal financial information.

 

Other

This Privacy Policy applies to products and services provided by us and any of our affiliated companies used primarily for personal, family, or household purposes (not business purposes). We reserve the right to change this Privacy Policy, and any of the policies described above, at any time and without notice. The examples used in this Privacy Policy are illustrations; they are not intended to be exclusive.

If you have questions about this Privacy Policy or our practices, please contact us at:

Walsh Duffield Companies, Inc., Buffalo, New York 14203 or call 716-853-3820.

Authorization of Use & Copyright Notice

Walsh Duffield Companies, Inc. hereby authorizes any person to access this Web site for informational purposes only. Walsh Duffield Companies, Inc. reserves the right to terminate access to this Web site at any time without notice. The data, information and material included in this Web site is copyrighted by Walsh Duffield Companies, Inc.. All rights are reserved under the copyright laws of the United States of America. No part of this Web site can be redistributed, copied or reproduced without the prior written consent of Walsh Duffield Companies, Inc..

 

Limited Liability

In no event will Walsh Duffield Companies, Inc., its agents or employees, be liable for any damages, losses or other expenses arising in connection with this site or use thereof or inability to use by any party, or 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 Walsh Duffield Companies, Inc., or its representatives, are advised of the possibility of such damages, losses or other expenses.

 

No Warranties

The user of this Web site assumes all responsibility and risk for the use of this Web site and the Internet generally. Walsh Duffield Companies, Inc., and its affiliated companies disclaim all warranties, representations or endorsements, expressed or implied, with regard to the data, information and material included in, or accessible from, this Web site or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or non-infringement. Walsh Duffield Companies, Inc. and its affiliated companies have the right to discontinue, change or update any data, information or material included in the Web site without prior notice, and they do not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this Web site. No advice or information given by Walsh Duffield Companies, Inc. or its affiliated companies shall create any warranty. Neither Walsh Duffield Companies, Inc. nor its affiliated companies warrants that the data, information and material included in the Web site or on the Internet will be uninterruptable or error free or that any data, information, software or other material accessible from this Web site is free of viruses or other harmful components. Several of our pages describe various insurance products. The availability of a specific product may differ from state of state. The product descriptions are general in nature and the insurance coverages are subject to the specific terms of the actual policies issued. If you are interested in the terms and conditions of a specific product, please contact us at 716-853-3820 for additional information.

 

Security & Email Warning

Despite the security measures taken by Walsh Duffield Companies, Inc., there is an inherent risk in disclosing personal information over the Internet. Anyone electronically transmitting personal information assumes the risk that such information may be disclosed or intercepted by unintended third parties and Walsh Duffield Companies, Inc. disclaims all liability resulting from such interception or disclosure. Anyone who wishes to apply for an insurance quote who is concerned about maintaining the security of their personal information may mail the information to Walsh Duffield Companies, Inc., 801 Main Street, Buffalo NY 14203.