Scott Karl – Economic and Insurance Services
Serving Clients Throughout California

Scott Karl – Economic
and Insurance Services

Privacy Policy

Scott Karl Economic, Insurance & College Planning services operates this website and takes the responsibility of protecting your privacy very seriously. This Privacy Policy is to help you understand how we collect, use and protect the information we obtain through this website (“Site”) This Privacy Policy only applies to information that we collect through the Site and not to any other services or websites. By visiting this website, you agree to be bound by the terms and conditions of this Privacy Policy. This policy may change from time to time so we recommend that you check it regularly. Your continued use of this website after any changes are made to the site will constitute your acceptance of those changes.

Information We Collect and How We Use It

We may use your personal information to provide better services to you, including to provide the services and products that you request from us or that may be of interest to you, communicate with you, resolve issues, detect and safeguard us from fraud and illegal activity, enforce our policies, and enhance and customize your experience on the Site.
Information You Choose to Give Us Directly: We receive and store any information you enter on our website or give us by phone, email or in any other way. We use the information you provide to respond to your requests, communicate with you, provide information about our company and services, provide promotional material, and customize and improve our services.
If you provide us with information about another person, you confirm that they have authorized you to act for them, that they have consented to the processing of their personal data including sensitive personal data and that you have informed them of our identity and the purposes for which their personal data will be processed.
In addition to the uses described in this policy, we use the information collected and create a profile of your interests and preferences based on the products and services you view, as well as any interests and preferences you expressly state.
Information We Automatically Receive from Our Website: We automatically receive and store certain types of information whenever you visit our website. Like many websites, we may use cookies, which allow us to automatically collect certain types of information when your Web browser accesses our website or when you view advertisements and other content served by us or on our behalf on other websites. See the “More About Cookies” section below for more information about cookies.
These are some examples of the types of information that we may automatically collect through the use of cookies: the Internet protocol (IP address) that is used to connect your computer to the Internet, your Internet service provider (ISP), browser type, the full Uniform Resource Locator (URL) clickstream to, through, and from our website, including date and time, cookie, the length of time you spend on particular pages, which links you click while on our site, and similar site visit information.

More About Cookies

Cookies are alphanumeric identifiers that are placed on your computer’s hard drive that help us provide our services. Cookies allow us to recognize your device, make navigating our site easier, provide certain features such as data access control and user permission validation and provide personalized advertisements about our services on other websites. Most browsers automatically accept all cookies by default. You should be able to adjust your browser’s settings to reject new cookies, prompt you before accepting a cookie, or disable cookies. Check your browser’s help or settings section for instructions on how to do this. By disabling cookies, you may not be able to access certain features and portions of the Site.

Sharing Your Information

As described above, we need your information to provide certain features and services. We are not, however, in the business of renting or selling your information to others. We share your information with third parties only as described in this Privacy Policy.
Third-Party Service Providers: We employ and use other companies and persons to perform certain business functions on our behalf, including but not limited to website development and maintenance, marketing, customer service, accounting and payment processing. These third parties have access to user information needed to perform their functions, but they may not use it for any other purposes.
Aggregated Demographic Information: We may share aggregated demographic information with third parties. We do not link this aggregated information to any personal information that can identify your or any other person and, thus, do not disclose any personal information in this manner.
Legal Purposes: We may disclose your information if required to do so pursuant to judicial or governmental subpoenas, warrants, and orders, or as otherwise required by law. In addition, we retain the right to use, disclose and/or share your personal and non-personal information to investigate, prevent or take action regarding illegal activities, suspected fraud, and situations involving potential threats to the physical safety of any person whether or not there is a subpoena, court order or substantially similar legal procedure.
With Your Permission: For situations other than those described in this Privacy Policy, we will notify you when personally identifiable information might be disclosed to a third party and you can opt-out of sharing your information. unless prohibited by law or court order.

Third-Party Websites, Third-Party Advertisers and Google Analytics

This Privacy Policy applies only to our website and not to any third-party websites to which it may link. We may use features of Google Analytics, Google AdWords, Facebook, and other online marketing platforms for the purposes of ad targeting, including Remarketing. This means that third-party vendors, including Google, show ads from us on sites across the Internet. Third party entities, including Google and Facebook, use first-party cookies (such as the Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) and conversion tracking methods to inform, optimize and serve ads to you based on your past visits to our website. You may opt out of the DoubleClick cookie by visiting the Google advertising opt-out pages. You may opt out of Google’s use of cookies and customize Google Display Network ads by visiting the Google Ads Preferences Manager. Alternatively, you may opt of a third-party vendor’s use of cookies to serve you targeted ads by visiting the Network Advertising Initiative opt-out page at the Digital Advertising Alliance.
We also use Google Analytics, which is a web analytics tools that helps us understand how visitors use our website. If you wish not to have information about your website visit sent to Google Analytics, download and install the Google Analytics Opt-Out Browser Add-On for your current web browser.

Your Choices

Most browsers automatically accept all cookies by default. You should be able to adjust your browser’s settings to reject new cookies, prompt you before accepting a cookie, or disable cookies. Check your browser’s help section for instructions on how to do this.
You may opt-out of receiving emails or other communications from us. You may a) unsubscribe from our newsletters and other mailing lists, and b) request that your personally identifiable information, be removed from our database so that you no longer receive our communications or our service. If you request that your personally identifiable information be removed from our database, please understand that it may be impossible to remove this information completely due to backups and records of deletions. Further, we will not be able to delete logs and information that we are required to retain by law (for instance, tax purposes, notices, etc.).
If you wish to unsubscribe from our newsletters, please use the “unsubscribe” link within the email. If you wish to unsubscribe from any direct mail list or remove or amend your personally identifiable information from our database, contact us using the information provided in the “Contact Us” section of this website. You will be removed from our databases usually within 14 business days of our receipt of your request, except where we are required to maintain the personal information by law.
We may take reasonable steps to confirm your identity before fulfilling any of the requests described in this section. If we are unable to confirm your identity, we will not be able to remove your personal information or terminate your account. Note that if you opt-out of our marketing materials but you purchased a product or service from us, you will continue to receive communications from us about your specific purchase. Further, if third parties already have your information, you will have to contact them directly to opt-out of their marketing communications.

Information Collected by Third Parties

If you disclose information to third parties through our site or services or follow links to other sites, that information will be subject to the policies and practices of those third parties, which may be different than ours. Those third parties may or may not have a privacy policy. We do not control and are not responsible for the privacy policies and/or practices of third parties.

Notice to International Users

If you are accessing our website from the European Union (“EU”) or elsewhere, be aware that you are transferring your personal data to the United States, which does not have the same personal data protection laws as the EU and other regions. That being said, we take steps to ensure that your privacy is protected as described in this policy. By using our website, you consent to have your personal information used and transferred to the United States as set forth in this policy.


Changes to Privacy Policy

As stated above, this policy may change from time to time so we recommend that you check it regularly. Your continued use of our website after the posting of any changes will constitute your acceptance of those changes. If we are going to use any personally identifiable information in a manner that is materially less restrictive from that stated in our Privacy Policy at the time we collected such information, we will either attempt to obtain your consent before implementing the change or, in the absence of your consent, the new policy will not apply to information collected prior to the change.


Contact Us

To contact us, please use the methods located on our Contact Us page. You may also write to us at:
Scott Karl
7321 North Tamera Ave
Fresno, CA 93711
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