J.H. Albert International Insurance Advisors, Inc. dba Albert Risk Management Consultants operates this website. We are a consulting firm based in the United States. We are a corporation organized under the laws of Massachusetts. Our firm's headquarters is located at 72 River Park Street, Suite 201, Needham, MA 02494 and we have offices in Maryland and California.
This page is used to inform website visitors regarding our policies with the collection, use, and disclosure of Personal Information on this website, blogs and social media accounts (hereinafter collectively referred to as "website").
Information Collection and Use
For a better experience while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to your name, phone number, and postal address. The information that we collect will be used to contact or identify you.
We want to inform you that whenever you visit our Service, we collect information that your browser sends to us that is called Log Data. This Log Data may include information such as your computer’s Internet Protocol ("IP") address, browser version, pages of our website that you visit, the time and date of your visit, the time spent on those pages, and other statistics.
Cookies are files with small amount of data that is commonly used an anonymous unique identifier. These are sent to your browser from the website that you visit and are stored on your computer’s hard drive. Our website uses these "cookies" to collection information and to improve our Service. To learn more about Cookies, and how to disallow or manage them go to: http://www.allaboutcookies.org. If you choose not to accept Cookies, you may be unable to access certain parts or pages or our website.
We may employ third-party companies and individuals due to the following reasons:
To facilitate our Service;
To provide the Service on our behalf;
To perform Service-related services; or
To assist us in analyzing how our Service is used.
These third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.
We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.
Links to Other Sites
The California Civil Code permits California residents with whom we have an established business relationship, to request that we provide you with a list of certain categories of personal information that we have disclosed to third-parties for their direct marketing purposes during the preceding calendar year. To make such a request please send an email or write us at: Albert Risk Management Consultants, 72 River Park Street, Needham, MA 02494. Please mention that you are making a "California Shine the Light" inquiry.
Visitors from Outside the United States
If you are visiting our website from outside the United States ("U.S."), any information you voluntarily provide via our website and any technical information from the browser of your computer, tablet or mobile device will be transferred out of your country and into the U.S. The laws and protections available to the privacy of your personal information in the U.S. may significantly differ from the protections available in your country. Personal data transferred to the U.S. may be subject to lawful access requests by state and federal authorities in the U.S. If you do not want any personal information to be transferred to the U.S., please do not provide that information to our Firm via our website.
Visitors from the European Union
On May 25, 2018 the General Data Protection Regulation ("GDPR") went into effect in the European Union ("EU"). The GDPR extends certain rights to natural persons involving the privacy of their personal information.
Our Firm is the data controller for any personal information provided via our website. Our Firm does not have a data protection officer in the EU. Any information that you provide to us will be stored in the United States. We do not intend to transfer your personal data to another country or international organization.
We may retain any personal information that you provide via our website for seven (7) years from the date you provided or last updated that information, unless you request that information be deleted at an earlier date. If that information is subject to a litigation hold, or is required to assert or defend a legal claim, then we will hold that information until the claim or action is finally resolved.
Under the GDPR individuals are granted the following rights:
Right of Access. You have the right to ask what personal information we have about you in our possession. You have the right to obtain a copy of your personal data free of charge so long as it does not adversely affect the rights of others. We may charge a reasonable fee based on administrative costs for additional copies. The right of access includes the right to request that we update, correct or complete your personal information in our possession.
Right of Erasure. You have a right to request that data be deleted or erased when it is no longer needed for the purposes for which it was collected or processed, when you withdraw your consent, when data is unlawfully processed, to comply with a legal obligation of the EU or a Member State, or when you object to the processing and we are unable to demonstrate compelling, legitimate grounds for the processing which overrides your rights, freedoms or interests. Personal data does not have to be erased when and to the extent it is necessary "for the establishment, exercise, or defense of legal claims."
Right to Restrict Processing. You have a right to restrict the processing of your personal data when you contest the accuracy of the personal data in our possession until we are able to verify its accuracy, if the processing is unlawful and you oppose its erasure and request restriction instead.
Right to Data Portability. The right to data portability is triggered when processing activity was based on your consent, or was necessary for the performance of a contract, and the processing was carried out by automated means. This right, however, shall not adversely affect the rights of others.
Automated Decision Making. You have the right not to be subjected to decision-making based solely on automated processing or profiling that either significantly affects you or results in some sort of legal effect. This right does not apply to decisions that are necessary for entering into or performing a contract with you or are based on your explicit consent.
Right to Object to Processing. You have the right to object to processing when it is based on a "legitimate interest" of the controller or a third party, or to processing that occurs for direct marketing purposes.
Withdrawing Your Consent. You have the right to withdraw your consent at any time by sending an email to .
Right to Complain. You also have the right to lodge a complaint with the supervisory authority about our data privacy practices where you reside.
How to Exercise These Rights. You can exercise these rights by sending an email to . We will review any requests we receive and will endeavor to respond in a timely manner. For security reasons, we may request specific information from you to help us confirm your identity before taking action on any request, and to ensure your right of access and the exercise any of GDPR right does not adversely affect the rights of others.
We reserve the right to refuse to act on a request, or to charge a reasonable administrative fee when a request is either manifestly unfounded or excessive because of its repetitive character.
Our Services do not address anyone under the age of 13. We do not knowingly collect personal identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.