PROVIDING HIGH-QUALITY RISK MANAGEMENT SERVICES

GGH Insurance Privacy Policy

Thank you for visiting GGH Insurance Internet website (“Site”) located at the URL www.gghinsurance.com. This Privacy Policy details certain policies implemented throughout GGH Insurance governing GGH Insurance’s collection and use of personally identifiable information about users of the Site and our services.

The Websites contain hyperlinks to other unaffiliated websites that may have information policies and practices different from ours. We have no control over those websites, are not responsible for their privacy policies, practices or content, and this Privacy Policy does not apply to them.

Privacy Policy Updates

GGH Insurance may need to update this Privacy Policy from time to time. If so, GGH Insurance will post its updated Privacy Policy on the Site along with a change notice on the Site. GGH Insurance may also send registered users of our services a notice that this Privacy Policy has been changed. GGH Insurance encourages you to review this Privacy Policy regularly for any changes. Your continued use of this Site and/or services and/or your continued provision of personally identifiable information to us after the posting of such notice will be subject to the terms of the then-current Privacy Policy.

Information Collection

In certain sections of this Site, we may require you to submit your personally identifiable information to us, and we may invite you to submit questions, comments, and request information. In addition to any personal information that you may voluntarily provide, the Site collects information using cookies and other third-party tools. Please refer to the sections below on “Cookies” and “Third Party Analytics Tools” and “Third Party Advertising Tools” for more information about the information these tools collect and use.

Due to the nature of some of our services, you may provide us with personally identifiable information such as your name, email address, username, password, address, phone number, and other contact information that you voluntarily transmit with your communication to us.

Information Use

We may use your personally identifiable information to deliver our services or information you have requested, verify your authority to enter certain password-protected areas of the Site, verify that you are a customer or prospective customer, and send you information that you have signed up to receive, notices about our products and/or services that you have used or that may be of interest to you and notices about events, and improve the content and general administration of the Site and our services.

If you are a user of our services, we may use your personally identifiable information to provide the services to you.

Children’s Privacy

GGH Insurance recognizes the privacy interests of children, and we encourage parents and guardians to take an active role in their children’s online activities and interests. Neither the Site nor our services are intended for children under the age of 16. GGH Insurance does not target its services or this Site to children under 16. GGH Insurance does not knowingly collect personally identifiable information from children under the age of 16.

Cookies

We use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file.

On the Site, we use session cookies to make it easier for you to navigate the Site by remembering your locale preferences and to improve and track the overall Site experience. For the Site, we set a persistent cookie to authenticate your login and authorization to use the services. Persistent cookies enable us to track, store and target the interests of our users to enhance the experience on the Site. If you reject cookies, you may still use the Site, but your ability to use some areas of the Site may be limited.

Third-Party Analytics Tools

Beyond the personally identifiable information you voluntarily provide to us directly, GGH Insurance utilizes analytics tools including third party technologies, such as Google Analytics, to collect information utilizing cookies. Certain types of information, including geolocation, device type, onsite website usage and behavior, demographic data, and purchase history, is collected and aggregated across GGH Insurance Site users for our analysis and advertising efforts.

Usage Information

We automatically collect information about your interactions with the Site, including information about the device you use to interact with and/or access the Site, such as: IP address, access dates and times, information about your approximate location (as determined through your IP address), hardware and software information, mobile, computer or hardware device information (e.g., operating system version, Hardware model, IMEI number and other unique device identifiers, MAC address, and device settings), device event information, and crash data. This information allows GGH Insurance to understand how you’ve used the Site (which may include administrative and support communications with us or whether you have clicked on links to External Web Sites), and other actions you have taken in connection with your use of the Site. We automatically collect log data when you access and use the Site, even if you have not created an account or logged in.

Aggregate Information

We may collect and track the total number of visitors to the Site, the number of visitors to each page of the Site, External Web Sites (defined below) linked to and other aggregated data collected through our services and we may analyze this data for trends and statistics in the aggregate but such information will be maintained, used and disclosed in aggregate form only and it will not contain personally identifiable information. We may use such information for purposes such as analyzing trends, administering the Site, and to understand how users interact with the Site.

Security

We may employ industry standard procedural and technological measures that are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration, or destruction. GGH Insurance may use, without limitation, firewalls, password protection, secure socket layer, and other security measures to help prevent unauthorized access to your personally identifiable information.

Financial Incentives

GGH Insurance does not offer financial incentives or price or service differences in exchange for the retention or sale of personal information.

Your California Privacy Rights

For purposes of California residents, this Privacy Policy pertains to all information collected online, including through the Websites. California law permits customers of GGH Insurance who are California residents to request certain information regarding GGH Insurance’s disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us through the information provided in the “How to Contact Us” section below.

Notice to Users Located Outside of the United States

This Site and the services on this Site are targeted for users in the United States of America only. Any information you enter on this Site may be transferred outside of your home country to the United States of America, which may not offer an equivalent level of protection to that required of your home country’s data protection laws.

How to Contact Us

Should you have any questions regarding this Privacy Policy, please contact us via email at privacy@gghinsurance.com.

Terms of Use

General

GGH Insurance, Inc. operates www.gghinsurance.com.  Any person accessing this Website is referred to as “you”.

Disclaimer of Warranties

You expressly understand and agree that: your use of and reliance upon any and all of the services and/or content is at your sole risk and is made available on an “as is” and “as available” basis. GGH Insurance makes no express or implied representations, warranties, or guarantees with regard to the appropriateness, accuracy, sufficiency, correctness, veracity, value, completeness, or timeliness of the services and/or content. GGH Insurance expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

In no event shall GGH Insurance be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever, including, without limitation, damages for loss of use, data, or profits, arising out of or in any way connected with the use or performance of these web sites, with the delay or inability to access or use or related services, the provision of or failure to provide services, or for any content, software, products and services made available or obtained through these web sites. Any and all use of these websites is done at your own discretion and risk, and you will be solely responsible for any damage to your computer system or loss of data that results therefrom. If you are dissatisfied with any portion of these websites or with any of these terms of use, your sole and exclusive remedy is to discontinue using these websites.

Copyright

All materials are owned and copyrighted or licensed by GGH Insurance, its corporate affiliates, or its third-party vendors.

© GGH Insurance, Inc. 2025, all rights reserved. No reproduction, distribution, or transmission of the copyrighted materials is permitted without the written permission of GGH Insurance.

Any rights not expressly granted herein are reserved. Pursuant to Title 17, United States Code, Section 512, notifications of claimed copyright infringement should be sent to GGH Insurance Designated Agent set forth below. All inquiries must be filed in accordance with Title 17, United States Code, Section 512.

Web Site Administrator
GGH Insurance
6843 Main Street
Miami Lakes, FL 33014
Telephone: (305) 821-1130

Trademarks

All trademarks herein are the property of their respective owners, who have all the rights therein. No trademarks or service marks may be used or reproduced without the express written consent of their respective owners.

Thank you,
GGH Insurance