Privacy Policy, Terms and Conditions, and Disclaimers
Effective Date: January 1, 2025
This document outlines the Privacy Policy, Terms and Conditions, and Disclaimers for the website of Shaina Pope, an independent insurance agent and digital notary.
Privacy Policy
This Privacy Policy describes how I ("I," "me," or "my") collect, use, and share personal information when you use my website (the "Site").
1. Information I Collect
I collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device ("personal information"). In accordance with the Gramm-Leach-Bliley Act and Florida state law, I have processes in place to protect the confidentiality of your personal information. Your privacy will always be a priority at Shaina Pope.
Personal information does not include:
Publicly available information from government records.
De-identified or aggregated consumer information.
Information excluded from the CCPA's scope, like:
Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.
I collect the following categories of personal information:
A. Identifiers
Examples
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.
Source
Forms you fill out on my Site, communications with me
Purpose
To provide and operate the Site, to respond to your inquiries, to process your requests, to improve my services
B. Customer Records Information
Examples
Name, contact information, insurance policy information, payment information
Source
Forms you fill out on my Site, communications with me, interactions with my services
Purpose
To provide and operate the Site, to provide insurance and notary services, to process payments, to communicate with you
C. Commercial Information
Examples
Records of products or services you have purchased, considered, or shown interest in
Source
Interactions with my Site and services
Purpose
To provide and operate the Site, to provide insurance and notary services, to personalize your experience, to recommend products or services
D. Internet Activity
Examples
Browsing history on my Site, search history on my Site, interactions with my online ads
Source
Interactions with my Site
Purpose
To provide and operate the Site, to personalize your experience, to improve my services, to monitor and analyze trends, usage, and activities
E. Geolocation Data
Examples
Physical location
Source
Interactions with my Site
Purpose
To provide and operate the Site, to personalize your experience
F. Inferences
Examples
Inferences drawn from any of the information identified above to create a profile reflecting your preferences and interests
Source
Interactions with my Site and services
Purpose
To provide and operate the Site, to personalize your experience, to recommend products or services
In addition to the categories listed above, I may also collect information through cookies. Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. I use cookies to enhance your experience on my Site, for example, by remembering your preferences and providing you with personalized content. I also use cookies for security purposes, such as to protect your account from unauthorized access.
For online notarizations, I may collect audio-video recordings of the notarization session. These recordings are used to verify the identity of the participants, ensure the integrity of the notarization process, and comply with legal and regulatory requirements.
2. How I Use Your Information
I use the information I collect for the following purposes:
To provide and operate the Site.
To provide you with information, products, or services that you request from me.
To fulfill any other purpose for which you provide it.
To carry out my obligations and enforce my rights arising from any contracts entered into between you and me, including for billing and collection.
To improve my Site and services.
To personalize your experience.
To provide you with notices about your account and/or subscription, including expiration and renewal notices.
To provide you with news, special offers and general information about other goods, services and events which I offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.
To contact you with offers and/or information that may be of interest to you.
To contact you with information about and/or to invite you to participate in surveys and/or research.
To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
To administer a contest, promotion, survey or other site feature.
To quickly process your transactions.
To find and prevent fraud.
As otherwise described to you at the point of collection.
3. Sharing Your Information
I may disclose your personal information to a third party for a business purpose. When I disclose personal information for a business purpose, I enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
I disclose your personal information for a business purpose to the following categories of third parties:
Service providers.
Financial institutions with whom I have joint marketing agreements.
The California privacy law prohibits third parties who purchase disclosed personal information from reselling it unless you have received explicit notice and an opportunity to opt-out of further sales.
While I may disclose your personal information for business purposes as described above, I do not sell your personal information to any third parties.
4. Your Rights as a California Resident
If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with rights regarding your personal information, including:
The right to know what personal information I collect, use, disclose, and sell.
The right to request the deletion of your personal information.
The right to opt-out of the sale of your personal information.
The right to non-discrimination for exercising your California privacy law rights.
5. Exercising Your Rights
To exercise your rights under the California privacy law, please contact me.
6. Verification
To verify your request, I will:
Request sufficient information that allows me to reasonably verify you are the person about whom I collected personal information or an authorized representative.
Ask you to describe your request with sufficient detail that allows me to properly understand, evaluate, and respond to it.
7. Data Security
I have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to me is stored on my secure servers behind firewalls. Any payment transactions will be encrypted using SSL technology.
8. Changes to My Privacy Policy
I may change my Privacy Policy from time to time. If I make any changes, I will post the new Privacy Policy on this page.
9. Contact Me
If you have any questions about this Privacy Policy, please contact me.
Terms and Conditions
1. Acceptance of Terms
By accessing or using the Site, you agree to be bound by these Terms and Conditions ("Terms"). If you disagree with any part of the Terms, then you may not access the Site.
2. Intellectual Property
The Site and its original content, features, and functionality are and will remain the exclusive property of Shaina Pope and its licensors. The Site is protected by copyright, trademark, and other laws of both the United States and foreign countries. My trademarks and trade dress may not be used in connection with any product or service without my prior written consent.
3. User Accounts
When you create an account on my Site, you must provide me with information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on my Site.
You are responsible for safeguarding the password that you use to access the Site and for any activities or actions under your password, whether your password is with my Site or a third-party service.
You agree not to disclose your password to any third party. You must notify me immediately upon becoming aware of any breach of security or unauthorized use of your account.
You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you without appropriate authorization, or a name that is otherwise offensive, vulgar or obscene.
4. Prohibited Uses
You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site:
In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation.
To impersonate or attempt to impersonate Shaina Pope, an employee, another user, or any other person or entity (including, without limitation, by using email addresses associated with any of the foregoing).
To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Site, or which, as determined by me, may harm Shaina Pope or users of the Site or expose them to liability.
Additionally, you agree not to:
Use the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party's use of the Site, including their ability to engage in real time activities through the Site.
Use any robot, spider, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site.
Use any manual process to monitor or copy any of the material on the Site or for any other unauthorized purpose without my prior written consent.
Use any device, software, or routine that interferes with the proper working of the Site.
Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site.
Attack the Site via a denial-of-service attack or a distributed denial-of-service attack.
Otherwise attempt to interfere with the proper working of the Site.
5. Termination
I may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
Upon termination, your right to use the Site will immediately cease. If you wish to terminate your account, you may simply discontinue using the Site.
6. Disclaimer
The materials on Shaina Pope's website are provided on an 'as is' basis. Shaina Pope makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
Further, Shaina Pope does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.
7. Limitation of Liability
In no event shall Shaina Pope or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Shaina Pope's website, even if Shaina Pope or a Shaina Pope authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
8. Accuracy of Materials
The materials appearing on Shaina Pope's website could include technical, typographical, or photographic errors. Shaina Pope does not warrant that any of the materials on its website are accurate, complete, or current. Shaina Pope may make changes to the materials contained on its website at any time without notice. However, Shaina Pope does not make any commitment to update the materials.
9. Links
Shaina Pope has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Shaina Pope of the site. Use of any such linked website is at the user's own risk.
10. Modifications
Shaina Pope may revise these Terms for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Florida and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.
Digital Notary Services
As an appointed and certified digital notary public, I offer remote online notarization (RON) services. RON allows you to have your documents notarized electronically from the convenience of your own location, using audio-visual technology.
Benefits of Digital Notarization
Digital notarization offers several benefits over traditional notarization, including:
Increased accessibility: You can get your documents notarized from anywhere with an internet connection.
Convenience: No need to travel to a notary's office or schedule an in-person appointment.
Efficiency: The process is typically faster than traditional notarization.
Enhanced security: Digital notarization platforms use encryption and other security measures to protect your information.
Legal Requirements and Ethical Considerations
I comply with all applicable state laws and regulations governing digital notarization, including those related to registration, technology requirements, and recordkeeping. I adhere to the highest ethical standards for notaries public, including impartiality, confidentiality, and avoiding conflicts of interest.
Identity Verification
To verify your identity during a digital notarization session, I may use various methods, including:
Personal knowledge: If the notary already knows you personally.
Credential analysis: Examining a government-issued identification credential, such as a driver's license or passport.
Identity proofing: Using knowledge-based authentication or other methods to confirm your identity.
Limitations
Please note that there may be limitations on the types of documents I can notarize digitally and jurisdictional restrictions that may apply. I will inform you of any such limitations before proceeding with the notarization.
Disclaimers
1. No Legal or Financial Advice
The information provided on this Site is for general informational purposes only and does not constitute legal or financial advice. You should consult with a qualified professional for any legal or financial decisions.
2. No Warranties
I make no warranties or representations about the accuracy or completeness of the information on this Site. I am not responsible for any errors or omissions in this information.
3. Third-Party Websites
This Site may contain links to third-party websites. I am not responsible for the content or privacy practices of these websites.
4. Errors and Omissions
While I strive to provide accurate and up-to-date information, I cannot guarantee that the Site is free of errors. I reserve the right to correct any errors or omissions, and to change or update information at any time without prior notice.
5. No Guarantee of Results
I do not guarantee any specific results from the use of this Site or the services offered through this Site.
6. Use at Your Own Risk
Your use of this Site is at your own risk. I am not responsible for any damages or losses arising from your use of this Site.
7. Insurance and Notary Services
I am an independent insurance agent and a digital notary. I am not affiliated with any specific insurance company. I offer a variety of insurance products from different companies. I am also an appointed and certified digital notary public. I can notarize documents electronically.
8. Advertising Restrictions
I comply with all applicable laws and regulations regarding advertising. In particular, I do not use the term "Notario Publico" in my advertising, as this term can be misleading and may be prohibited in certain jurisdictions.
9. Contact Me
If you have any questions about these disclaimers, please contact me.
Conclusion
Shaina Pope is committed to protecting your privacy and providing you with transparent and ethical services. I strive to provide a secure online environment and comply with all applicable laws and regulations. If you have any questions or concerns about my Privacy Policy, Terms and Conditions, or Disclaimers, please do not hesitate to contact me.