Privacy Policy

Kramer‑Warner Associates (“Kramer‑Warner,” “we,” “us,” or “our”) respects your privacy and is committed to safeguarding the personal and nonpublic information you provide to us. This Privacy Policy explains how we collect, use, disclose, and protect information obtained through our website, www.kramerwarner.com, and in connection with our insurance services.

Information We Collect | Information You Provide to Us

We may collect personal and nonpublic information when you:

• Complete contact, quote request, or other online forms
• Upload documents (such as applications, identification, loss runs, or related insurance materials)
• Communicate with us via email or phone

The information collected may include:

• Name
• Contact information (email address, phone number, mailing address)
• Insurance‑related details necessary to provide quotes or service policies

Automatically Collected Information

When you visit our website, we may automatically collect limited, non‑personally identifiable information such as:

• IP address
• Browser type
• Device information
• Website pages visited and time spent

How We Use Information

We use collected information to:

• Respond to inquiries and provide requested insurance quotes or services
• Bind, service, and administer insurance policies
• Communicate regarding insurance‑related matters
• Operate, maintain, and improve our website
• Protect against fraud and unauthorized access
• Comply with applicable legal, regulatory, and contractual obligations

Cookies and Website Analytics

Our website uses cookies and similar technologies, including Google Analytics, to analyze website usage and improve performance. Google Analytics collects information in an anonymized form and does not identify individual users. You may control or disable cookies through your browser settings; however, some website features may not function properly without them.

Payments

Our website may contain links to third‑party payment processors to allow clients to submit insurance payments securely. Kramer‑Warner does not collect, store, or process payment card information through our website. Payment information submitted through third‑party payment processors is governed by their respective privacy policies and security practices.

Disclosure of Information

We do not sell personal or nonpublic information. We may disclose information as permitted or required:

• To insurance carriers, managing general agents, and other service providers necessary to provide insurance products and services
• To third‑party vendors who perform services on our behalf and are contractually obligated to maintain confidentiality and data security
• To comply with federal or state laws, regulations, court orders, or regulatory requests
• To protect the rights, property, or security of Kramer‑Warner, our clients, or others

Data Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect nonpublic personal information in accordance with applicable laws and industry standards, including the Gramm‑Leach‑Bliley Act (GLBA). While we take appropriate measures to protect information, no system or transmission method can be guaranteed to be 100% secure.

Multi‑State Operations

Kramer‑Warner is domiciled in Pennsylvania and licensed to sell insurance in multiple states. Information we collect may be subject to the insurance and privacy laws of various jurisdictions, as applicable.

Third‑Party Links

Our website may contain links to external websites operated by third parties. We are not responsible for the privacy practices or content of those websites. Users should review the privacy policies of any third‑party sites they visit.

Children’s Privacy

Our website is not intended for individuals under the age of 13. We do not knowingly collect personal information from children.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised effective date.

Contact Us

If you have questions about this Privacy Policy or our information‑handling practices, please contact:

Kramer Warner Associates Inc.

E-mail: info@kramerwarner.com
Phone: (610) 359-1422