Privacy Policy & Terms of Use
Quincy Mutual values you as a customer and is committed to protecting the confidentiality and security of information
we collect about you. This notice describes our privacy policy and explains the categories of nonpublic personal information
we collect and how and why we use this information. We do not sell or otherwise disclose nonpublic personal information
we collect, except as described herein.
Protecting Your Privacy
As a general principle, access to personal information is kept to the minimum amount necessary to provide you with our
products and to properly service your accounts. The Company restricts access to non public personal information to
those persons who have a need to know the information to perform legitimate business functions. We maintain physical,
electronic, and procedural safeguards that comply with state and federal privacy laws. Our staff is educated about
the importance of safeguarding your information and we are committed to holding them accountable for protecting your
personal information. Whenever Quincy Mutual permits an external third party to access your nonpublic personal information
they are contractually required to protect the confidentiality of customer information in a manner consistent with
our security requirements.
Information We Collect
We collect and use information that is necessary to serve you effectively and to permit us to meet your insurance needs.
Most often the personal information we receive comes from your insurance application and from information provided
when servicing your account. Depending upon the nature of your coverage, we may collect nonpublic personal information
about you from other sources such as consumer reporting agencies, state motor vehicle departments, loss information
reports, property inspection companies, other insurance companies, and others as allowed by law. In a claim situation,
we may also collect medical information to adjust the claim. The types of personal information we collect may include,
but is not limited to, social security number, credit history, credit score, and driver’s license number.
How We Use This Information
We use this information to underwrite your insurance, process claims, ensure proper billing, and service your account.
Under What Circumstances Do We Disclose Personal Information
We do not disclose any nonpublic personal information about our customers or former customers to anyone except as permitted
by law. This means that under certain circumstances information can be disclosed to third parties without your authorization.
For example: We may disclose information to your insurance agent; to consultants who perform business or insurance
functions for us; to independent claims adjusters, auto appraisers, investigators, accountants and attorneys who need
information to handle your claim; to our reinsurers; to businesses that provide underwriting safety inspections, claims
and actuarial support; to consumer reporting agencies that provide us with necessary underwriting or loss history information;
to organizations involved in collecting data to help in the detection of insurance fraud or criminal activity in connection
with insurance transactions; to law enforcement, fraud bureaus, or governmental authorities as required by law; to
medical care institutions or medical professionals; to vendors who verify coverage or conduct audits of services; to
insurance rating organizations or state regulatory agencies that control insurance pricing and products; to leinholders
, mortgagees, or other parties who have a legal interest in your policy; and to authorized individuals as required
by judicial process.
Access to Your Information
You have the right to obtain certain items of information we have collected about you, and to request correction of
information if you feel it is inaccurate. If we agree, we will correct our records accordingly. If we do not agree,
we will communicate this to you. You should submit your written request to us at the address shown below. Certain information
collected in connection with, or in anticipation of, any claim or legal proceeding will not be made available.
Further Information
If you have any questions about our privacy policy please write to us at:
Quincy Mutual Fire Insurance Company
57 Washington Street
Quincy, MA 02169
Internet Privacy Policy
Your privacy is important to Quincy Mutual. Quincy Mutual does not collect or use any personal identifiable information
such as IP addresses, E-mail addresses or browser types.
As an option, users may register and create a personal
account to provide more personalized information. Users are responsible for maintaining the confidentiality of the
user ID and password, and are fully responsible for all activities that occur under their account.
If you e-mail Quincy Mutual at Contactus@Quincymutual.com , we will not use your e-mail address unless you require a response from us through e-mail.
Information entered into our Agent Locator (state/city) or any link to an agent's site or agent's E-mail
is not collected by Quincy Mutual.
This Web site contains links to other sites. It is also possible that non-Quincy
Mutual Web sites may also link into Quincy Mutual Web sites. Please be aware that we are not responsible for the privacy
practices of such other sites. We encourage our users to read the privacy statements of each web site that collects
personally identifiable information. This privacy statement applies solely to the information on this Web site.
Secure Sockets Layer
Quincy Mutual uses Secure Sockets Layer security technology. Secure Sockets Layer, or SSL, is an encryption technology
that provides secure communication over the Internet. It does this by verifying that the server you are connected is
actually one it claims to be. It also encrypts all transactions between the parties communicating. Encryption is the
scrambling of information as it is transmitted over the Internet to protect your confidentiality. Personal and credit
card information passing between your computer and many of Quincy Mutual’s services is encrypted. This means that while
your information is in transit it is scrambled so that only Quincy Mutual can reassemble it in its original text format.
Binding Effect:
By accessing this Quincy Mutual website or any of its pages, you agree to be bound by the following terms and conditions.
Please read them carefully. If you do not agree that these terms and conditions shall govern your use of our website,
you are not authorized to access or use this site. In such event, please immediately log off this website and do not
access this site or any of its pages again. Quincy Mutual reserves the right to change or update this website anytime
at its sole discretion. All information and materials on this site are subject to revision or amendment at any time
without notice. The terms and conditions that govern your use of our website likewise may be amended at any time by
posting an updated and revised Terms of Use page on this site. You will be bound accordingly if you thereafter access
this website. Each and every time that you access the Quincy Mutual website or any of its pages, you shall be deemed
to have agreed to the then current Terms of Use.
Disclaimer:
Quincy Mutual only sells insurance policies through independent insurance agents, and nothing in this site should be
construed as a solicitation or invitation for consumers to do business with Quincy Mutual on a direct basis. The information
and materials contained on this site do not, and are not intended to constitute, an advertisement, offer to sell or
solicitation in any state in which Quincy Mutual is not licensed to do business, nor with respect to types of insurance
policies which Quincy Mutual is not authorized to sell in a particular state. To review and understand the Quincy Mutual
policies and coverages that would best serve your specific needs, please contact your independent agent.
Description of Policy Coverages:
The information and product descriptions contained in this website are provided solely for general informational and
illustration purposes, as a convenience to current and prospective customers and agents of Quincy Mutual and as a public
service. The policies referenced on this site are not available in all jurisdictions, and some Quincy Mutual policies
may vary in a particular state from what is described on this site. This site does not intend or attempt to provide
full and complete descriptions of all the benefits and limitations found in policies that Quincy Mutual might issue
in a particular instance. The precise terms, coverage, conditions and exclusions of the specific written insurance
policy that Quincy Mutual actually issues and delivers in a particular instance, rather than general descriptions on
this website, will form the four corners of the contract between an insured and Quincy Mutual. Furthermore, your eligibility
to purchase any particular Quincy Mutual policy will be subject to final determination and acceptance by Quincy Mutual
or its authorized representatives, in their sole discretion. You should carefully review all materials delivered to
you in connection with your purchase of a Quincy Mutual policy. If you have any questions in this regard, please contact
your Quincy Mutual agent.
No Warranty:
The information and materials on this website are provided "as is" and without warranties of any kind, either express
or implied. To the fullest extent possible under applicable law, Quincy Mutual disclaims all warranties, express or
implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose,
title and non-infringement. Quincy Mutual makes no warranty or representation that the insurance policies described
on this site are available or suitable for your needs, or that all information and materials contained on this site
are complete, timely, reliable, or free from errors, inaccuracies or typographical mistakes. Nor does Quincy Mutual
warrant or represent that the functionality of this site will be uninterrupted or error free, that defects will be
corrected, or that this website (or the server on which it runs) are free of viruses, worms or other harmful or destructive
code. Exclusions of implied warranties may not be allowed in all jurisdictions, so the above may not apply to you.
Limitation of Liability:
Quincy Mutual assumes no responsibility and shall not be liable for any damage to your computer equipment or other property
as a result of your access to, use of, or browsing in this website, or your downloading of any information, materials,
or images from this site or arising in connection with any failure of performance, error, omission, interruption, defect,
computer virus, delay in operation or transmission, or line or system failure. You, and not Quincy Mutual, assume the
entire cost of all necessary servicing, repair, remediation or correction.
Under no circumstances will Quincy Mutual be liable for damages of any kind whatsoever, including but not limited to
direct or indirect, special, exemplary, punitive, incidental or consequential damage, loss or expense arising in connection
with this website, or your use or inability to use this website or any content hereof, whether based on warranty, contract,
tort, or any other legal theory, and even if Quincy Mutual has been advised of the possibility of such damage, loss
or expense. Exclusion of implied warranties may not be effective in all jurisdictions.
Copyright and Trademarks:
This website is owned by Quincy Mutual. Unauthorized use of this site, and/or the materials contained herein may violate
applicable copyright, trademark or other laws. Our corporate seal and the trademarks, service marks, graphics, logos,
domain names and text on this site, except where otherwise indicated, are the intellectual property and valuable assets
of Quincy Mutual, or are used by permission of the owners thereof. Materials displayed on this website may be downloaded
for personal, non-commercial use only, provided all copyright and other proprietary notices contained on the materials
are retained. Otherwise, no part of the information and materials on this website may be reproduced, stored in a retrieval
system, or transmitted in any form or by any means electronic, mechanical, photocopying, recording, or otherwise without
our prior written approval.
Links with Other Websites:
As a convenience, from time to time this site may be hyperlinked to other websites which Quincy Mutual does not maintain
or control. Quincy Mutual does not monitor and is not responsible for the content or security practices of any such
third-party site. If you decide to access other websites, you do so at your own risk. Quincy Mutual expressly grants
permission to all of our appointed and licensed agents to place a link on their own web pages to the home page of this
site. Quincy Mutual is proud to support the independent insurance agents with whom we do business.
Privacy:
You should review our Privacy Statement. It explains how Quincy Mutual may use information that it collects concerning
our customers in general, as well as persons who access this website. We do not collect any personally identifiable
information through this website unless you e-mail us and a response is required. In that event, however, Quincy Mutual
shall not be subject to any confidentiality obligations regarding your identity.
Governing Law:
Use of this site will be governed and construed in accordance with the laws of the Commonwealth of Massachusetts, without
giving effect to its conflict of law principles.
Cookies
We transmit non-personally identifiable information to third party service providers (e.g. Google) that collect website statistics. We may also transmit non-personally identifiable information to third party service providers that may use such information during your visits to this and other websites in order to provide advertisements about goods and services likely to be of greater interest to you.One method of collecting such information is through the use of cookies. A cookie is a piece of data that is stored on a visitor’s hard drive while they are visiting this Website. We may utilize a short-lived form of cookie when you visit this site. At Baker Insurance Services, LLC., 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.
Use of cookies helps us to improve our Website and to deliver a better and more personalized service by enabling us to: estimate our audience size and usage patterns; store information about your preferences allowing us to customize our Site according to your individual interests; speed up your searches; and recognize you when you return to our Website. You may refuse to accept cookies by activating the appropriate setting on your browser. However, if you activate such a setting, you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
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 Website for more than 20 minutes. Should a previous visitor to our Website 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.
Accessibility (ADA Compliance)
We are committed to making our website accessible to all users, including individuals with disabilities. We strive to ensure that our digital content and services are accessible and usable in accordance with applicable accessibility standards, including the Web Content Accessibility Guidelines (WCAG), and the Americans with Disabilities Act (ADA), where applicable.We continually work to improve the accessibility of our website and review our content to identify and address potential accessibility barriers. Our ongoing efforts may include enhancements to site structure, navigation, readability, and compatibility with assistive technologies such as screen readers.
Accessibility-related features on this website do not collect or store personal information beyond what is described in this Privacy Policy. Any information provided when contacting us for accessibility assistance is handled in accordance with our data privacy and security practices.
Some content or functionality on our website may be provided by third-party vendors. While we make reasonable efforts to work with vendors who follow accessibility best practices, we cannot guarantee the accessibility of third-party content.
If you experience difficulty accessing any part of our website or require assistance, please contact us so we can provide information or services in an alternative format when reasonably possible.
Contact Information:
Phone: 508-881-1033
Email: Contactus@quincymutual.com