Privacy Policy
(United States Only)
Last updated: January 23, 2023
Information regarding Foremost Groups, Ltd.’s privacy practices:
This privacy policy (“Privacy Policy”) describes Foremost Groups, Ltd.’s (hereafter referred to as “Foremost,” “we,” “us,” or “our”) policy regarding information collected from and about you in connection with your visits to our website (the “Web site”) and interactions with other Foremost applications, communications, and online services that link to this Privacy Policy (collectively with the Web site, the “Online Services”). This Privacy Policy informs you about the information we collect, how we use and share it, and your rights with respect to your information. The amount and type of information received by Foremost depends on how you use our Online Services.
IF YOU ARE A CALIFORNIA RESIDENT, this Privacy Policy also informs you about the personal information we collect from and about you in other contexts, including personal information collected online or offline in connection with our products and services and your interactions with Foremost employees. California residents can learn more about the personal information we collect from and about you, including how we may use and share it, as well as your rights under California law, in the Privacy Policy’s Supplemental Notice for California Residents below (which is incorporated in and a part of this Privacy Policy).
NORMAL WEB SITE USAGE:
During normal Web site usage, except for certain data about how you and other visitors interact with our Online Services (as described under Information Collected Automatically below), you can visit Foremost’s Web site and other Online Services to read product information without telling us who you are and without revealing any personal information. During normal Web site usage, we do not collect or store personal information such as your name, mailing address, e-mail address, phone number, or Social Security Number.
COLLECTION OF PERSONALLY IDENTIFIABLE INFORMATION:
There are instances where Foremost requests personally identifiable information to provide a service (e.g., warranty registration) or correspondence, including promotional activities, responding to inquiries, providing details about new products, and sharing news. This information, such as your name, mailing address, e-mail address, type of request and possibly additional information, is collected and stored in a manner appropriate to the nature of the data and is used to fulfill such activities. The information you provide is also used by Foremost to improve the services we provide you. We also collect information about the products you have purchased for warranty purposes. The information described in the section is never provided to or sold to any other company. When possible, Foremost will provide you with the means to make sure that any personally identifiable information that you provide is correct and current.
ELECTRONIC MAIL SENT TO US THAT CONTAINS PERSONAL INFORMATION:
You may also decide to send Foremost personally identifying information, for example, in an electronic mail. Foremost will only use this information to identify the user and respond to the inquiry. We will not use this information other than to resolve the matter identified in your message.
INFORMATION COLLECTED AUTOMATICALLY:
When you visit or interact with our Online Services, our servers record certain information that is automatically reported by your browser, such as IP address (which can be used to infer approximate location), internet service provider, browser type and settings, device information (e.g., type of device, operating system, device manufacturer), referring/exiting URL (the website or online ad that referred you to us and the website you go to after leaving our Web site), request/response date and time, clickstream data, device or advertising ID, and information contained in cookie files that are sent to and stored by your browser. Depending on the Online Service and your device permissions, we may also passively (that is, gathered without you actively providing the information) collect information about your device’s approximate (e.g., country or zip code) or precise location. Various technologies may be used to collect this location information, such as IP address, GPS, and other sensors that may provide information on nearby devices, Wi-Fi access points, and cell towers. Some of the information we collect depends on the settings on your web browser or mobile device. Please check your web browser or mobile device if you want to learn what information your browser or mobile device sends or how to change your settings.
Like most website operators, our Web site and other Online Services use cookies and similar technologies—such as pixel tags, local storage, statistical identifiers, and software development kits (collectively referred to as “cookies and similar technologies”)—to collect, track, and store the information collected passively through your use of our Online Services. A cookie is a small text file that a website saves on your browser when you visit the site, either for the duration of your visit (a session cookie) or for repeat visits (a persistent cookie). Session cookies are deleted from your computer or device once you leave the website. Persistent cookies remain on your device and are sent back to the originating website on subsequent visits (or to another website that recognizes the cookie) to notify the website of your previous online activity. Cookies on Web site may be delivered by Foremost (a first-party cookie) or a third-party (a third-party cookie) and may also be set in association with emails you receive from us. Cookies help us enhance your experience when using our Online Services. They also help us understand how people use our Online Services (such as which pages or features are most popular) so that we can better serve our visitors.
In addition to cookies, we may use other similar technologies with our Online Services, such as pixel tags (also known as clear GIFs, web beacons, pixels, or web bugs), local storage, statistical identifiers, and software development kits. Pixel tags are small blocks of code installed on a website that allow a third party to deliver its third-party cookies when a visitor goes to the website and are generally used by third parties to monitor and track user activity on a website. Local storage (such as HTML 5) allows a website to store and retrieve data on an individual’s device with no expiration date. Statistical identifiers refer to identifiers created using certain device and server data. Collectively, this information makes a user’s browser or device sufficiently distinct for a website to reasonably determine that it is encountering the same browser or device over time and used for the same purposes as cookies. Software development kits (also called SDKs) function like third-party cookies and pixel tags but operate in the mobile app environment where cookies and pixel tags do not function as effectively. Instead of using cookies and pixels tags, an app developer can install pieces of code provided by third parties (such as analytics providers) in its mobile app in order for the third parties to monitor and analyze the use and performance of the mobile app.
Cookies and similar technologies enable us and our partners to recognize when someone has visited our Online Services or opened an email, allowing us to do things such as monitor the traffic patterns of users from one page within our Web site to another, understand whether a visitor has come to our Web site from an online advertisement displayed on a third-party site or in an email, and measure and improve the performance of our Online Services. These technologies are also used to help secure our Online Services and for other legitimate purposes (as described in the table below). The following table sets out the different types of cookies and similar technologies that our Web site and other Online Services may use and why we use them:
| Cookie Types | Purpose |
| Authentication | These cookies and technologies tell us when you’re using our Web site so we can show you the appropriate features and content such as your account information, purchase history and to edit your account settings. |
| Security and Web site Integrity | These cookies and technologies support or enable security features to help keep our Web site safe and secure. For example, they enable us to remember when you are logged into a secure area of our Web site and help protect your account from being accessed by anyone other than you. |
| Online Service Features | These cookies and technologies provide functionality that help us deliver products and services. For example, cookies help you log in by pre-filling fields. We may also use these cookies and similar technologies to help us provide you and others with social plugins and other customized content and experiences. |
| Analytics and Research | These cookies and technologies are used to understand, improve and research our Web site, and better understand the interests of people who interact with our Web site. For example, we and our approved partners may use these cookies and technologies to understand how you are using Web site features, and segmenting audiences for feature testing. We and our partners may use these technologies and the information we receive to improve and understand how you use and interact with our Web site.
For example, our Web site uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies to analyze use patterns and may collect information about your use of our Web site. More information on Google Analytics can be found here: www.google.com/policies/privacy/partners/. If you would like to opt-out of having your data used by these cookies, please use the Google Analytics opt-out available at https://tools.google.com/dlpage/gaoptout/. |
LINKS:
This site contains links to other sites. Foremost is NOT responsible for the privacy practices or the content on these other sites. Foremost does not disclose unique identifiers to those responsible for the linked sites. The linked sites, however, may collect personal information from you when you enter their site. This collecting of information is not subject to Foremost’s control. To ensure protection of your privacy, always review the privacy policies of the sites you visit when linking from this Web site.
DISCLOSURES:
Foremost may disclose a user’s personal information 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 Foremost or the Web site, (b) protect and defend the rights or property of Foremost, the Foremost Web site, or Foremost Web site users, and (c) act under exigent circumstances to protect the personal safety of users, Foremost, the Web site or the public.
We may disclose a user’s personal information to third parties who provide us with various business services (e.g., monitoring and maintaining our Web site or internal business applications, preparing newsletters and mailings, and payments of commissions or other amounts). We may also share a user’s personal information with Foremost affiliates. Further, if all or part of Foremost is merged into another entity, the information we have about you may be transferred to a third party as part of that transaction. Your information may also be included among the assets affected by financing agreements undertaken by Foremost.
MODIFICATIONS:
By using this site, you are agreeing to the terms of our Privacy Policy. We reserve the right to change our Privacy Policy. A revised Privacy Policy will only apply to data collected subsequent to its effective date. Any revisions will be posted at least 10 days prior to its effective date. Your continued use of this Web site following the posting of changes to these terms will mean that you accept these changes.
If you are under the age of 16, please do not submit or post any personal information.
CALIFORNIA RESIDENTS:
The California Consumer Privacy Act of 2018 (CCPA) gives California residents the right to know what personal information Foremost collects about them, including whether it is being sold or disclosed to third parties. The CCPA also grants certain rights to California residents, including the right to delete their personal information (subject to certain exceptions) and the right to prevent Foremost from selling their personal information. Companies are also prohibited from retaliating or discriminating against consumers for exercising their rights under the CCPA. California residents can learn more about the personal information we collect from or about you through both your online and offline interactions, as well as your rights under California law, in the Privacy Policy’s Supplemental Notice for California Residents below.
CONTACT INFORMATION:
If you have any questions, comments or concerns about this Privacy Policy or our information practices on our Web site or of our service providers, contractors and business partners, please contact us at the information below and address your request to:
Foremost Groups, Inc.
Attn: Customer Service
906 Murray Road
East Hanover, NJ 07936
Toll-Free (USA): 1-800-443-1410
CustomerService@foremostgroups.com
| FOREMOST PRIVACY POLICY Supplemental Notice for California Residents[Last Updated January 16, 2020] |
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| Why? | This Supplemental Notice for California Consumers (“Supplemental Notice”) is part of the Privacy Policy and supplements the information contained in the Privacy Policy. This Supplemental Notice applies solely to individuals who are residents of the State of California.
The California Consumer Privacy Act of 2018 (CCPA) gives California residents the right to know what personal information Foremost collects about them (online and offline) and whether this information is shared with third parties, as well as certain rights regarding Foremost’s collection and use of their personal information. This Supplemental Notice provides the information required under the CCPA. Any terms defined in the CCPA have the same meaning when used in this Supplemental Notice. |
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| Personal Information | In this Supplemental Notice, “personal information” (or “PI”) means any information that identifies, relates to, describes, or is capable of being associated with you or your household, whether directly or indirectly. In the chart below, we use the following Categories of Personal Information to describe the personal information we have collected, used, and shared about consumers in the preceding 12 months: | |
| Commercial Information | Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | |
| Identifiers | Identifiers, such as a real name, alias, postal address, unique personal identifier, telephone number, online identifier, internet protocol (IP) address, email address, account name, or other similar identifiers. | |
| Inferences | Inferences drawn from any of the information listed above to create a profile about an individual reflecting the individual’s preferences, characteristics, psychological trends, preferences, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. (e.g., predications about an individual’s preferences or tendencies). | |
| Geolocation Data | An individual’s precise geolocation data. | |
| Network Activity Data | Internet or other electronic network activity information, such as browsing history, search history, cookie data, referring/exiting URL, clickstream data, time spent on webpage or advertisement, and other information regarding an individual’s interaction with an internet website, application, email or advertisement. For more information, please see the Information Collected Automatically section of the Privacy Policy above. | |
| Written Signature | An individual’s written signature, such as a signature on a warranty form. | |
| Your Rights | If you are a California resident, you have the following rights under the CCPA with respect to your personal information:
· Right to Notice. Before or at the time we collect personal information from you, you have the right to receive notice of the personal information to be collected and the purposes for which we use it. This Supplemental Notice is intended to satisfy this requirement. You also have the right to request that we disclose to you the categories of personal information we have collected about you in the preceding 12 months, along with the categories of sources from which the personal information was collected, the purpose for collecting or selling the personal information, the categories of third parties with whom we shared the personal information, and the categories of third parties with whom we sold the personal information. · Right of Access. You have the right to request that we disclose or provide you with access to the specific pieces of personal information we have collected about you in the preceding 12 months. · Right to Deletion. You have the right to request that we delete the personal information we collect from you. However, in certain situations we are not required to delete your personal information, such as when the information is necessary in order to complete the transaction for which the personal information was collected, to provide a good or service requested by you, to comply with a legal obligation, to engage in research, to secure our websites or other online services, or to otherwise use your personal information internally in a lawful manner that is compatible with the context in which you provided the information. · Right to Opt-Out of the Sale of Personal Information. If Foremost sells your personal information to third parties, you have the right, at any time, to direct us not to sell your personal information. Foremost does not sell personal information and Foremost does not sell the personal information of minors under 16 years of age without affirmative authorization. · Right Not to Be Subject to Discrimination. You have the right to be free from discrimination or retaliation for exercising any of your rights under the CCPA as described above. You can exercise your rights by calling 1-800-443-1410 or by visiting https://foremostgroups.wpengine.com/privacy-policy/. We value the security and confidentiality of your personal information. Therefore, if you exercise your right to notice, right of access, or right to deletion, we must first verify your identify to make sure that you are the person about whom we have collected personal information. We verify every request carefully. Along with your request, we ask that you provide you first and last name, company name (if applicable), physical postal address, email address, and IP address (if you interact with our websites or other online services). You may also authorize someone else to submit these requests on your behalf. |
| Category of Personal Information Collected |
Sources of the Category of Personal Information | Purposes for Collecting the Category of Personal Information | Third Parties With Whom We Share the Category of Personal Information for a Business or Commercial Purpose |
| Identifiers | ‐ Directly from consumer
‐ From third party service providers |
‐ For our everyday business purposes such as to process your requests, register you for warranties, address inquiries, or other communications with us
‐ To process and manage your purchases, transactions, and payments with us ‐ To monitor and improve our website functionality ‐ To personalize your website experience ‐ For marketing purposes to deliver content and product and service offerings, including targeted offers and ads ‐ To help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business |
We Do Not Share This Information with Third Parties for a Business/Commercial Purpose |
| Commercial Information | From third party service providers | ‐ For our everyday business purposes such as to process your requests, inquiries, or other communications with us
‐ To process and manage your purchases, transactions, and payments with us |
We Do Not Share This Information with Third Parties for a Business/Commercial Purpose |
| Network Activity Data | ‐ Directly from consumer
‐ From third party service providers |
‐ For our everyday business purposes such as to process your requests, inquiries, or other communications with us
‐ To process and manage your purchases, transactions, and payments with us ‐ To detect security incidents and other fraudulent activity ‐ To monitor and improve our website functionality ‐ To personalize your website experience ‐ For marketing purposes to deliver content and product and service offerings, including targeted offers and ads ‐ To help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business |
We Do Not Share This Information with Third Parties for a Business/Commercial Purpose |
| Geolocation Data | ‐ Directly from consumer
‐ From third party service providers |
‐ For our everyday business purposes such as to process your requests, inquiries, or other communications with us
‐ To process and manage your purchases, transactions, and payments with us ‐ To detect security incidents and other fraudulent activity ‐ To monitor and improve our website functionality ‐ To personalize your website experience ‐ For marketing purposes to deliver content and product and service offerings, including targeted offers and ads ‐ To help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business |
We Do Not Share This Information with Third Parties for a Business/Commercial Purpose |
| Written Signature | |||
| Inferences | ‐ Directly from consumer
‐ From third party service providers |
‐ For our everyday business purposes such as to process your requests, inquiries, or other communications with us
‐ To process and manage your purchases, transactions, and payments with us ‐ To detect security incidents and other fraudulent activity ‐ To monitor and improve our website functionality ‐ To personalize your website experience ‐ For marketing purposes to deliver content and product and service offerings, including targeted offers and ads ‐ To help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business |
We Do Not Share This Information with Third Parties for a Business/Commercial Purpose |