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Terms and Conditions for Use of this Site

Please read these terms and conditions carefully before accessing the ForAgentsOnly.com website (FAO).

Your use of FAO is expressly conditioned on your acceptance of the terms and conditions below. By using FAO, you signify your assent to these Terms and Conditions and agree to be bound thereby. If you do not agree with any part of the following Terms and Conditions, you must not use this site.

The Terms and Conditions may be modified by Progressive from time to time. Continued use of FAO by you will constitute your acceptance of any modifications to the Terms and Conditions, so check this page regularly. You can access the Terms and Conditions any time from the bottom of any page in FAO. Your failure to follow the rules herein, whether listed below or in supplemental notices posted at various times on this page, may result in termination of your access to FAO, in addition to Progressive's other remedies.

Use of This Website

FAO is a comprehensive Web site which allows The Agency Group of Progressive Insurance Companies to support and communicate with our agents electronically by providing access to policyholder information (limited to your book of business), agent records (including commission statements), relevant technology, as well as the most current information and news to assist you in your business. You agree not to disrupt, modify or interfere with FAO, or impede or interfere with others’ use of FAO, or its associated software, hardware and servers in any way. You further agree not to alter or tamper with any information on or associated with FAO. This site and the content provided in this site, including the text, graphics, button icons, and data compilations, may not be copied, reproduced, republished, uploaded, posted, transmitted or distributed without the written permission of Progressive, except that you may display and print the materials presented on this site for the specific business purpose set forth herein. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Progressive, is prohibited.

Agents and Brokers

In some states, brokers, rather than independent agents, offer Progressive's insurance products to customers. Although there are important legal distinctions between agents and brokers, for readability purposes this website uses "agent" to refer to both. While the relationship between brokers and Progressive differs from Progressive's relationship with its independent agents, including the fact that brokers do not have binding authority, many of the same or similar tools and services on FAO are available to them. If you have any questions about the products and services described on this web site or their availability to brokers, please contact a Progressive Account Sales Manager.

Agent Code/Password/PIN

FAO is a restricted use site, requiring the use of an Agent Code (or user ID) and password for access. Portions of FAO – for example, access to your online commission statements -- require a Personal Identification Number ("PIN") for access. Unauthorized use of or access to any restricted area is strictly prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without proper authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement agencies in connection with any investigation or prosecution of possible criminal and/or unlawful activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.

You are responsible for maintaining the confidentiality of your Agent Code, password and PIN. You agree to accept responsibility for all activities that occur under your Agent Code, password and PIN. Progressive is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence on the part of Progressive. You will notify Progressive immediately if you believe someone else has obtained your password or PIN or any unauthorized access under your Agent Code has occurred or may occur. Progressive may block access to your Agent Code and/or PIN without prior notice if we believe your Agent Code or PIN is being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons, including, without limitation, system upgrades and/or modifications.

Copyright/Trademark

Except where otherwise indicated, all materials contained in this Web site are the copyrighted property of Progressive Casualty Insurance Company, its affiliated companies and/or third party licensors. Drive® is a registered service mark of Drive Trademark Holdings LP and is licensed to Progressive Casualty Insurance Company. The Progressive logo, all other service marks, and the names of various products and services described within are service marks of Progressive Casualty Insurance Company and/or its affiliated companies (collectively "Progressive").

Progressive reserves all rights to its intellectual property. Any materials printed or downloaded from FAO shall retain all copyright and other proprietary notices in the same form and manner as on the original.

You are not authorized to use any portion of FAO or any other intellectual property of Progressive on any other Web site, in the meta-tags of any other Web site or in any other materials. You may not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of FAO’s content (except as permitted herein) or frame FAO within any other Web site.

Privacy

FAO provides a convenient means for you to access information from Progressive. You acknowledge and agree that you are only authorized to access such information as may be available through your own Agent Code, password and/or PIN. Some of this information, called "nonpublic personal information," is protected under the federal Gramm-Leach-Bliley Act and state privacy laws. Progressive maintains privacy policies in compliance with the Gramm-Leach-Bliley Act and applicable state law. Progressive’s privacy policies are available at our Web site, www.progressive.com/agent. Progressive also maintains physical, electronic and procedural safeguards in compliance with applicable laws and regulations to prevent the unauthorized access to and dissemination of nonpublic personal information. When using FAO in the course of your representation of Progressive, you acknowledge and agree that you will adhere to Progressive’s privacy policy applicable to your state. When not representing Progressive, however, you must independently comply with applicable federal and state privacy laws with respect to your collection, use and disclosure of nonpublic personal information.

Third-Party Websites

FAO contains links to other Internet Websites ("Third-party Sites") that are not maintained by Progressive. Access to Third-party Sites is at your own risk and Progressive is not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on these Third-party Sites. Progressive provides these links solely for your convenience. Progressive makes no warranties or representations about the content of, or any products or services offered in, such Third-party Sites. You should not interpret any link to/from such Third-party Sites as indicating that Progressive sponsors or endorses such sites or their materials or that these Third-party Sites are affiliated with Progressive in any manner. We recommend that you take the time to read the privacy and data security policies of all Third-party Sites.

Products

The information and descriptions contained in FAO are intended as general information and are not necessarily complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by Progressive. The insurance coverage afforded by Progressive is subject to the terms and conditions of the policies issued. Progressive reserves the right to withdraw products or services referred to in FAO at any time.

Disclaimer of Warranty

FAO (including all information and materials contained on this site) is provided “as is” and “as available” without warranties of any kind either express or implied. Progressive disclaims all warranties, express or implied, with respect to FAO, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement of third party rights, and those arising by statute or otherwise in law or from a course of dealing or usage of trade. Progressive does not warrant that the operation of FAO will be uninterrupted or error-free, that any defects will be corrected, or that FAO or the server that makes it available are free of viruses or other harmful components. Progressive does not warrant or make any representations regarding the accuracy, completeness, currency or reliability of FAO, any of the information or materials found on FAO, or the use or the results of the use of the information or materials in FAO. Progressive disclaims any warranty or representation that this site, its servers or any e-mail sent from Progressive are free of viruses or other harmful components. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Limitation of Liability

Progressive assumes no responsibility for, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to or use of this site or your downloading of any materials or data from the site. In no event shall Progressive be liable for any indirect, incidental, consequential, special, exemplary or punitive damages of any kind (including but not limited to lost profits or lost opportunity), whether based in contract, tort, strict liability, or otherwise, which arises out of or is in any way connected with (i) any use of FAO or content found herein, (ii) any failure or delay (including but not limited to the use of or inability to use any component of FAO), or (iii) the performance or non-performance by Progressive, even if Progressive has been advised of the possibility of such damages.

Jurisdiction/Enforceability

Use of FAO shall be governed by and construed in accordance with the laws of the State of Ohio without giving effect to any principles of conflict of laws. Any dispute concerning FAO or these Terms and Conditions shall be subject to the exclusive venue of a court of competent jurisdiction in Cuyahoga County, Ohio. Your use of FAO constitutes your express consent to the personal jurisdiction of such courts for the purpose of resolving any such dispute. Should any provision of these Terms and Conditions of use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Indemnification

You agree to defend and indemnify Progressive, including all corporate affiliates, and their respective officers, directors, employees and agents from and against any claim, cause of action or demand, including without limitation reasonable legal and accounting fees, brought by or on your behalf or by third parties as a result of your breach of these Terms and Conditions.

Attorney's Fees

In the event Progressive takes legal action against you in order to enforce, protect or defend any of its rights pursuant to these Terms and Conditions and prevails, you agree to pay all reasonable costs and fees incurred by Progressive, including but not limited attorneys’ fees, in addition to any other relief to which Progressive may be entitled.

Privacy Notice – Human Resources, Insurance Producers, and Contractors

(Last updated: 12/19/2023)

About this notice

We are committed to protecting your privacy and earning your trust. This Privacy Policy ("notice") describes the information we collect about you and how we use and protect it. It applies to the following individuals:

  • Our job applicants and employees
  • Contractors who perform services for us
  • Insurance agents or brokers (together, “Producers”) who do business with us
  • Visitors to our employment and Producer websites, applications and platforms (the “Sites”)

Third-party service providers host portions or all of the Sites. They will process information submitted through a Site and may provide it to us.

This notice does not govern our other websites or third-party websites. Those are subject to their respective privacy policies and associated notices.

Summary

This section summarizes our privacy practices. For more detail, please read the entire notice.

  • We gather information from you, your interactions with us, and outside sources.
  • We use your information only to conduct our business and act consistently with our relationship with you.
  • We will share your information with companies that provide certain products or services you request through us.
  • We limit access to your information and use safeguards to help protect it.

What information do you collect about me?

We collect information about you so that you can search and apply for jobs or an appointment with us and submit and update your resume, career, and contact information. We also may use the information we collect to process your employment application, act as your employer, conduct business with you, and operate the Sites. The information we collect about you is called “Nonpublic Personal Information” or "NPI" if it identifies you and is not available to the public. Depending on your interactions with us, we collect it from some or all of the following sources. We have provided a few examples for each source, but not all may apply to you.

  • Information from you: You provide this on your employment application; through the Sites or third-party websites; and via our human resources, Producer and other communications, workplace and business platforms and interactions. It may include your name, street and e-mail addresses, phone number, driver’s license number, Social Security number, date of birth, gender, and educational and employment history. It also may include information about your employment benefits elections, dependents, and beneficiaries.
  • Consumer Report Information: We obtain this from consumer reporting agencies. It may include criminal background checks and your driving record. The information is kept by the consumer reporting agencies and disclosed by them to others as permitted by law.
  • Benefit Provider Information: Subject to applicable law, we may obtain information about you from the employment and workplace benefits providers we use.
  • Other Third-Party Information: If you are a contractor or Producer working for an entity that does business with us, the entity may provide us with your name and other information about you. We may also obtain information about you from directories and other outside sources.
  • Observation, Interaction, and Transaction Information: This is information from our observations of you and your interactions and transactions with us, our affiliates, or others. It includes your performance, disciplinary history, and your time, pay, and tax records. If you are a Producer, it includes your sales history.

We also may collect “Site Information” about you. This is unique to Internet and electronic activity. It may include how you linked to our Site. It also may include your IP address and information about your personal or work device, time of visit, and what pages you visit on our Site. When you visit our Sites, we may use cookies, web beacons, and other technology to collect information about you and your activities on our Sites. We may do this to provide services to or conduct business with you, enhance your online experience, and notify you of employment opportunities.

Who might get information about me from you?

We share your information for what we feel are legitimate business, legal, or compliance purposes. Disclosures include, for example, those that we feel are required to provide insurance claims or customer service, prevent fraud, perform research, comply with the law, inform you about or provide you with available benefits, or otherwise run our business. Recipients include, for example, our family of companies, service providers, consumer reporting agencies, others we do business with, law enforcement, courts and government agencies. They may disclose the information to others as permitted by law.

Some benefits and other products or services obtained through us will be provided by other companies. We may share your information with these companies. They will use the information as described in their privacy policies. These companies may share with us information about you and your transactions with them.

How do you protect my information?

We restrict access to your information to our employees and others who we feel must use it to provide our products and services or otherwise run our business. Their use of the information is limited by law, our employee code of conduct, and written agreements where appropriate. We also maintain physical, electronic, and procedural safeguards to protect your information.

Our family of companies

This notice is from our family of companies. Our family of companies also includes ARX Holding Corp., Protective Insurance Corporation, and the entities that they directly or indirectly majority own or control. You can learn more about those entities at American Strategic | Our Companies and Affiliations and About Protective Insurance.

Additional Information about Internet Practices

When you visit our Sites, we collect Site Information for various reasons. For example, if you start an employment application on our Site, but decide to finish it later, we will save your information so you can pick up where you left off. We may also use Site Information to customize your experience with and analyze your use of our Sites and interaction with us.

You may be able to control the use of cookies and other tracking technologies on some of our Sites. You may be able to instruct your browser or mobile device to warn you each time a cookie is being sent, or to reject all or certain kinds of cookies. Typically, you can do this by changing the privacy settings on your internet browser or device. However, if you reject cookies, some websites may not function properly, and some website services may be diminished. In most cases, you must manage these settings on each of your browsers or devices. For example, blocking cookies on your desktop browser may not work for your mobile device.

What about Site security?

Our security measures help secure your data, so that others cannot access it while in transit. We limit access to our servers and require our employees to adhere to high standards of ethics and integrity in performing their jobs.

What about links to other websites?

Our Sites may contain links to other sites and applications that we do not maintain. We make no warranties or representations about other websites or applications. We recommend that you read the privacy and security policies of these sites and applications.

California Consumer Privacy Act Supplement to Privacy Notice

This Supplement (“Supplement”) describes our collection and use of Personal Information that is subject to the California Consumer Privacy Act (the “CCPA”) and describes the rights of Consumers under the CCPA. This Supplement does not apply to information that is exempt from the CCPA. This Supplement controls if there is a conflict with our privacy notice.

Our Personal Information practices

We collected each of the categories of Personal Information listed in the “Notice at Collection” below during the twelve months preceding the date of this notice (the “past year”).

We collect Personal Information for the Purposes listed in the Notice at Collection.

The categories of our sources for Personal Information about Consumers include:

  • Lead sources or aggregators, or other third-party sites, web browsers or search engines
  • Consumers or our observation of Consumers
  • Data analytics providers
  • Data brokers
  • Government entities
  • Insurance agencies and brokerages
  • Internet service providers
  • Operating systems and platforms
  • Our benefits and/or other service providers
  • Persons involved in claims, litigation, or fraud prevention or detection
  • Social networks
  • Third-party product providers

We disclose the following categories of Personal Information. During the past year, we disclosed the following Personal Information for business purposes:

  • Identifiers were disclosed to third-party sites, web browsers or search engines; data analytics providers; data brokers; government entities; insurance agents or brokers; operating systems and platforms; our benefits, internet and/or other service providers; persons involved in claims, litigation or fraud prevention or detection; and third-party product providers.
  • CCR Categories were disclosed to data analytics providers; data brokers; government entities; insurance agents or brokers; operating systems and platforms; our benefits and/or other service providers; and persons involved in claims, litigation or fraud prevention or detection.
  • Protected Classifications were disclosed to government entities and our benefits and/or other service providers.
  • Commercial Information was disclosed to our benefits and/or other service providers and third-party product providers.
  • Internet or Other Electronic Network Activity Information was disclosed to operating systems and platforms; third-party sites, web browsers or search engines; data analytics providers; our benefits and/or other service providers; and social networks.
  • Geolocation Data was disclosed to our benefits and/or other service providers.
  • Sensory Data was disclosed to data analytics providers; persons involved in claims, litigation, and fraud prevention and detection; and our benefits and other service providers.
  • Professional or Employment-Related Information was disclosed to third-party sites, web browsers or search engines; data analytics providers; government entities; our benefits and/or other service providers; persons involved in claims, litigation, or fraud prevention or detection; and third-party product providers.
  • Sensitive Identifiers were disclosed to data analytics providers; government entities and our benefits and/or other service providers.
  • Sensitive Account Information was disclosed to our service providers.
  • Sensitive Geolocation Information was disclosed to our benefits and/or other service providers.
  • Sensitive Demographics were disclosed to government entities.
  • Sensitive Communications were disclosed to persons involved in claims, litigation, or fraud prevention or detection.

All of this information may be disclosed within our family of companies.

We make these disclosures for the following purposes:

  • Analytics, research & development, pricing, and improving or upgrading applicant, workforce and/or Producer experience
  • Auditing and quality control
  • Claims and litigation
  • Compliance and related purposes, including, without limitation, making disclosures required by law or regulation, for governmental investigations or processes, or to our attorneys, accountants and auditors
  • Investigations, discipline and helping to detect security incidents, resist malicious, fraudulent or illegal activity, report and help prosecute such activity, and help protect safety
  • Maintaining and protecting our data, systems and ourselves, including, without limitation, debugging to identify and repair errors
  • To provide, process and service our products or offerings (e.g., maintaining or servicing policies, providing other consumer services, processing or fulfilling transactions and payments, verifying consumer information, communications, etc.)
  • To provide job applicant, employee, contractor and independent agent services and experiences (e.g., processing or fulfilling transactions and payments, verifying applicant, employee, contractor, and Producer information, communications, candidate recruiting/processing, onboarding, management, resource development, pay, time and leave, benefits and other programming, etc.)
  • Sharing information with other companies in our family of companies or in which we invest

We do not use or disclose the “Sensitive Personal Information” described in the “Notice at Collection” below for purposes other than those specified by the CCPA and its regulations.

We did not sell Personal Information or share it with others for Cross-Context Behavioral Advertising during the past year. “Cross-Context Behavioral Advertising” means targeting advertising to a Consumer based on the Consumer’s Personal Information obtained from that person’s activity across businesses, distinctly-branded websites, applications, or services, other than the business, distinctly-branded website, application, or service with which the person intentionally interacts.

Your rights to delete, discover and correct

To the extent provided by law, you are entitled to receive a “Notice at Collection,” which we have attached to this Supplement.

To the extent provided by law, you may request that we:

  • delete Personal Information that we collected from you;
  • correct inaccurate Personal Information that we maintain about you; and
  • disclose the following to you free of charge:
    • the categories of Personal Information we collected about you;
    • the categories of sources from which it is collected;
    • our purpose for collecting Personal Information;
    • the categories of third parties to whom we disclose Personal Information;
    • the specific pieces of Personal Information we collected about you; and
    • the categories of Personal Information about you that we disclosed for a business purpose and the categories of persons to whom it was disclosed.

You may exercise the rights described above by using the form at privacyrequest.progressive.com or by calling us toll-free at 1-855-955-0742.

Nondiscrimination

We will not discriminate against you for exercising your rights under the CCPA. However, we may charge a different price for goods or services if the difference is reasonably related to the value of your Personal Information. We may offer financial incentives for the collection or retention of personal information pursuant to our employee referral program. More information about this program is available on our intranet site or by calling our Human Resources Service Center.

Verifying requests

If you request to delete, correct, or discover Personal Information, we will attempt to verify your identity by trying to match identifying information provided by you to Personal Information about you that we have. If we do not have enough information to match, we may try to contact you to verify your identity. Examples of information you may be asked to provide include your name, address history, and information about your interactions with us. If you want us to disclose specific pieces of Personal Information that we collected about you, delete Personal Information that we collected from you, or correct Personal Information we collected about you, you may also be asked to provide a copy of the front and back of your driver's license or other government-issued identification card. We will notify you if we cannot timely verify that you are the consumer about whom we have collected Personal Information.

How an agent can make requests on your behalf

You may designate an agent to make requests on your behalf. To make such a request, your agent may use privacyrequest.progressive.com or call us toll-free at 1-855-955-0742. The agent must provide us with a power of attorney from you or your signed permission authorizing the agent to make the request for you. If the agent requests disclosure of specific pieces of personal information or deletion of personal information, the agent may also be asked to send us a copy of the front and back of your driver's license or other government-issued identification card. If the agent does not provide us with a power of attorney, we may contact you to directly verify with you your identity and that you gave the agent permission to submit the request.

Questions and concerns

If you want to access this notice in a different format because of disability, or if you have any other CCPA questions or concerns, you may contact us at privacyrequest.progressive.com or call us toll-free at 1-855-955-0742.

Date

This Supplement was last updated as of 12/19/2023.

California Notice at Collection

This Notice applies only to California residents (“Consumers”) concerning Personal Information that is subject to the California Consumer Privacy Act (“CCPA”). This Notice does not apply to information that is exempt from the CCPA.

This Notice does not govern our other websites or third-party websites. Those are subject to their respective privacy policies and California notices at collection.

"Personal Information" is information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Consumer or household in California. It includes the following categories:

  • "Identifiers" such as a real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
  • "CCR Categories,” which may include the following categories of Personal Information described in the California Customer Records statute: name, signature, Social Security number, physical characteristics or description, address, telephone number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
  • "Protected Classification Characteristics" under California or federal law such as age, marital status, and gender.
  • "Commercial Information," which may include records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
  • "Biometric Information," which means a Consumer’s physiological, biological or behavioral characteristics used or intended for use singly or in combination with each other or other identifying data to establish individual identity.
  • "Internet or Other Electronic Network Activity Information," which may include website information, browsing history, search history, information on a Consumer’s interaction with an internet website, application, or advertisement.
  • "Geolocation Data" about physical location or movements.
  • "Sensory Information" consisting of audio, electronic, visual or similar information.
  • "Professional or Employment-Related Information" such as information about current or past employment.
  • "Education Information" such as education level.
  • "Inferences" drawn from other Personal Information to create a profile about a Consumer reflecting the Consumer's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

Personal Information also includes the following categories of “Sensitive Personal Information”:

  • “Sensitive Identifiers,” meaning Personal Information that reveals a Consumer’s Social Security, driver’s license, state identification card, or passport number.
  • “Sensitive Account Information,” meaning Personal Information that reveals a Consumer’s account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account.
  • “Sensitive Geolocation Information,” meaning Personal Information that reveals a Consumer’s geolocation within an area that is equal to or less than the area of a circle with a radius of 1850 feet.
  • “Sensitive Demographics,” meaning Personal Information that reveals a Consumer’s racial or ethnic origin, religious or philosophical beliefs, or union membership.
  • “Sensitive Communications,” meaning the contents of a Consumer’s mail, email, and text messages unless we are the intended recipient of the communication.
  • “Sensitive Biometrics,” meaning the processing of biometric information for the purpose of uniquely identifying a consumer.

We may collect and use Personal Information (including Sensitive Personal Information) about you and your household for the following purposes (the “Purposes”):

  • Analytics, research & development, pricing, and improving or upgrading applicant, workforce and/or Producer experience
  • Auditing and quality control
  • Auditing related to counting ad impressions to unique visitors, and verifying positioning and quality of ad impressions
  • Claims and litigation
  • Compliance and related purposes, including, without limitation, making disclosures required by law or regulation, for governmental investigations or processes, or to our attorneys, accountants and auditors
  • Investigations, discipline and helping to detect security incidents, resist malicious, fraudulent or illegal activity, report and help prosecute such activity, and help protect physical safety
  • Maintaining and protecting our data, systems and ourselves, including, without limitation, debugging to identify and repair errors
  • Marketing and advertising products and services offered by us or others and employment opportunities with us and lead monetization
  • To provide, process, and service our products or offerings (e.g., maintaining or servicing policies, providing other consumer service, processing or fulfilling transactions and payments, verifying consumer information, communications, etc.)
  • To provide job applicant, employee, contractor, and independent agent services and experiences (e.g., processing or fulfilling transactions and payments, verifying applicant, employee, contractor, and Producer information, communications, candidate recruiting/processing, onboarding, management, resource development, pay, time and leave, benefits and other programming, etc.)
  • Sharing information with other companies in our family of companies or in which we invest

The minimum length of time for which we will retain the Personal Information we collect varies based on applicable statutes of limitations and whether we think we might need the information for court or other official proceedings.

We may allow third parties to collect personal information from our websites.

This Notice is incorporated into our Privacy Notice.