Privacy Policy & Terms of Use

Seltzer & Associates, PLLC values your privacy and the security of your personal information. These are the Terms of Use for our website (www.seltzerinsurancelaw.com). By using this website and submitting personal information to us, you agree we may use such information in accordance with our policies.  Kindly do not submit any personal information that you do not want us to use in accordance with our policies.

By using this website, you specifically agree to be bound by these terms of use, our privacy policy, and our legal disclaimer. If you do not agree to be bound by the foregoing, you must discontinue using this website.

We have prepared this website and the materials contained herein for general informational purposes only. Information contained on this website does not constitute legal, accounting, tax, career or other professional advice of any kind. Our attorneys are licensed in state and federal courts in New York & New Jersey. We do not intend to advertise or solicit businesses in jurisdictions in which our attorneys are not licensed to practice law.

Our website allows users to send electronic mail communications to our attorneys. However, no attorney-client relationship is created by the transmission of information to, or receipt of information by, us. Any information sent to us through electronic mail communications will not be treated as confidential unless an attorney-client relationship exists. Accordingly, confidential information should not be sent to us without first contacting the firm and establishing an attorney-client relationship.

This website is not a substitute for retaining competent legal counsel. You should not act or refrain from acting on the information provided on this website without first seeking the advice of competent legal counsel in the state in which you may require legal services.

Links to other websites are for your convenience only. We do not take any responsibility for those websites, nor do we make any representation or warranty whatsoever with respect to those links to other websites.

The entire contents of this site are copyright protected and owned entirely by Seltzer & Associates, PLLC.  In addition, certain articles or releases contained on this website are reprinted with permission as indicated therein.

This privacy policy applies to information collected online from users of this website. In this policy, you can learn what kind of information we collect, when and how we might use that information, how we protect the information, and the choices you have with respect to your personal information.

What personal information is collected through this website and how is it used?

We collect information about our users in three ways: directly from the user, from our Web server logs and through cookies. We use the information primarily to provide you with a personalized Internet experience that delivers the information, resources, and services that are most relevant and helpful to you. We don't share any of the information you provide with others, unless we say so in this Privacy Policy, or when we believe in good faith that the law requires it.

User-supplied information: If you fill out the contact form on this website, we will ask you to provide some personal information (such as e-mail address, name, phone number and state). We only require that you provide an e-mail address on the contact form. Further, if chat is available through this site, you may be asked to provide information if you participate in an online chat. Please do not submit any confidential, proprietary or sensitive personally identifiable information (e.g. Social Security Number; date of birth; drivers license number; or credit card, bank account or other financial information) (collectively, “Sensitive Information”). If you submit any Sensitive Information, you do so at your own risk and we will not be liable to you or responsible for consequences of your submission.

Information that you provide to us through the contact form or an online chat will be used so that we may respond to your inquiry. We may also use information you provide to us to communicate with you in the future. If you do not wish to receive such communications, you may opt out (unsubscribe) as described below.

Web server logs: When you visit our website, we may track information about your visit and store that information in web server logs, which are records of the activities on our sites. The servers automatically capture and save the information electronically. Examples of the information we may collect include:

  • your unique IP address;
  • the name of your unique Internet service provider;
  • the town/city, county/state and country from which you access our website;
  • the kind of browser or computer you use;
  • the number of links you click within the site;
  • the date and time of your visit;
  • the web page from which you arrived to our site;
  • the pages you viewed on the site; and
  • certain searches/queries that you conducted via our website(s).

The information we collect in web server logs helps us administer the site, analyze its usage, protect the website and its content from inappropriate use and improve the user's experience. We do not use this information to personally identify who you are.

Cookies: In order to offer and provide a customized and personal service, our websites and applications may use cookies to store and help track information about you. Cookies are simply small pieces of data that are sent to your browser from a Web server and stored on your computer's hard drive. We use cookies to help remind us who you are and to help you navigate our sites during your visits. Cookies allow us to save passwords and preferences for you so you won't have to re-enter them each time you visit.

The use of cookies is relatively standard. Most browsers are initially set up to accept cookies. However, if you prefer, you can set your browser to either notify you when you receive a cookie, or to refuse to accept cookies. You should understand that some features of many sites may not function properly if you don't accept cookies.

How is personal information protected?

As part of your visit to our website, we may also obtain your IP address, which identifies your device on the internet. We do not use this information to personally identify who you are. As with cookies, our use of your IP address is to improve the use and functionality of our website. We take certain appropriate security measures to help protect your personal information from accidental loss and from unauthorized access, use or disclosure. However, we cannot guarantee that unauthorized persons will always be unable to defeat our security measures.

Who has access to the information?

We will not sell, rent, or lease mailing lists or other user data to others, and we will not make your personal information available to any unaffiliated parties, except as follows, and for the purposes set out above: (1) to our affiliate law firms; and (2) to a third party service provider working on our behalf.

We will also disclose your personal information, if required to do so by law, or in urgent circumstances, to protect personal safety, the public or our sites.

  • to agents, website vendors and/or contractors who may use it on our behalf or in connection with their relationship with us;
  • if we are unable to assist with your matter, but know an unaffiliated attorney or firm that may be able to help you, we may refer you and share information you provided us with that party; and
  • as required by law, in a matter of public safety or policy, as needed in connection with the transfer of our business assets (for example, if we are acquired by another firm or if we are liquidated during bankruptcy proceedings), or if we believe in good faith that sharing the data is necessary to protect our rights or property.

How can I correct, amend or delete my personal information and/or opt out of future communications?

You may opt out of any future contacts from us at any time. Contact us via the phone number, contact form or mailing address on our website at any time to:

  • see what data we have about you, if any;
  • change/correct any data we have about you;
  • ask us to delete any data we have about you; and/or
  • opt out of future communications from us.

If you have any additional questions or concerns about this privacy policy, please contact us via the phone number, contact form or mailing address listed on this website. If our information practices change in a significant way, we will post the policy changes here.

Linked Websites/Third Parties

Our website may contain links to other websites. The firm does not share information we have collected about you with those websites and we are not responsible for their privacy practices. We encourage you to learn about those websites’ privacy policies.

CA Users

If you are a resident of California, you are granted specific rights regarding access to your personal information. California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.

If you are under 18 years of age, reside in California, and have a registered account with the Services, you have the right to request removal of unwanted data that you publicly post on the Services. To request removal of such data, please contact us using the contact information provided below, and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Services, but please be aware that the data may not be completely or comprehensively removed from our systems.

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

International Users

Visitors to our website from the European Union have certain privacy rights. Personal information, as used in this section, is the same as “personal data,” which is defined by the European Union General Data Protection Regulation (GDPR) at [https://gdpr-info.eu/art-4-gdpr/].

The personal information you provide us will only be used as permitted by law. We may process your personal information as indicated below.

Consent: We will use your personal information to the extent you authorize us to do so. To withdraw your consent, please contact us here: contact@seltzerinsurancelaw.com.

Regulatory compliance: Your personal information will be used to comply with all applicable laws.

Communications and website optimization: Communications between you and us: Our use of your personal information to communicate with you will always take into account your rights.

We may use your information for a purpose not described in our Privacy Policy or terms of use, where permitted by law and when we use it for a purpose related to the purpose for which you provided it. If the purpose for which we use your personal information changes, we will notify you, provide an explanation and seek your consent.

When you consent to providing us with your personal information, we will store it in order to carry out the purposes for which we collected it. From time to time we may evaluate how long we will retain your personal information. Our evaluation of how long to retain your information will include our assessment of the risk to you in your keeping that information. If we choose to anonymize your personal information, we will retain this information in our discretion.

GDPR gives you certain rights when it comes to your personal information. You may request that we do the following: (1) stop sending you marketing communications; (2) inform you about how we use your personal information; (3) update your personal information; (4) delete personal information we have collected; (5) provide a convenient copy of the personal information we have collected from you; (6) restrict how we use your personal information; (7) object to how we use your data.

Please note that when sending us requests concerning your personal information, and to the extent you want access to the personal information we have concerning you, you will have to verify who you are before we provide you with any information. This is for your protection, so please anticipate that we will need your cooperation in this regard.

By using our website, you are consenting to the transfer of your personal information to the U.S. as set forth in our privacy policy and terms of use.

If you have questions about your GDPR rights or our use of your personal information, please contact Aaron Jacob, Data privacy information officer: contact@seltzerinsurancelaw.com.

Protecting the Privacy of Children

Children under eighteen (18) years old are not the target audience for our website. To protect their privacy, the firm prohibits the solicitation of personal information from these children. Our website should not be used by anyone under the age of 18 without the guidance of a parent or guardian.

User Representations

By using the Site, you represent and warrant that:  (1) you have the legal capacity and you agree to comply with these Terms of Use; (2) you are not a minor in the jurisdiction in which you reside; (3) you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise; (4) you will not use the Site for any illegal or unauthorized purpose; and (5) your use of the Site will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).

Prohibited Activities

You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Site, you agree not to: 1. Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us. 2. Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.3. Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site. 4. Use any information obtained from the Site in order to harass, abuse, or harm another person. 5. Use the Site in a manner inconsistent with any applicable laws or regulations. 6. Use the Site to advertise or offer to sell goods and services. 7. Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site. 8. Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools. 9. Delete the copyright or other proprietary rights notice from any Content. 10. Attempt to impersonate another user or person or use the username of another user. 11. Sell or otherwise transfer your profile. 12. Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site. 13. Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site to you. 14. Attempt to bypass any measures of the Site designed to prevent or restrict access to the Site, or any portion of the Site. 15. Make any unauthorized use of the Site, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses. 16. Use the Site as part of any effort to compete with us or otherwise use the Site and/or the Content for any revenue-generating endeavor or commercial enterprise.

UPDATES

We reserve the right to change, modify or update these Terms of Use and Privacy Policy at any time without notice. Any substantial changes in the way we collect and/or use your information will be posted on this website. If you have questions or concerns about our Terms of Use or Privacy Policy, please contact Aaron Jacob, Data privacy information officer: contact@seltzerinsurancelaw.com

The Terms of Use and Privacy Policy updated in May 2020.