Privacy Policy

















This privacy policy has been compiled to better serve those who are concerned with how their 
'Personally identifiable information' (PII) is being used online. PII, as used in US privacy law and
 information security, is information that can be used on its own or with other information to identify, 
contact, or locate a single person, or to identify an individual in context
. Please read our privacy policy carefully to get a clear understanding of how we collect, use,
 protect or otherwise handle your Personally
 Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our blog, website or app?

When ordering or registering on our site, as appropriate, you may be asked to enter your name,
 email address, mailing address or other details to help you with your experience.


When do we collect information?

We collect information from you when you subscribe to a newsletter or enter information on our site.


We use cookies to:
You can choose to have your computer warn you each time a cookie is being sent, or you 
can choose to turn off all cookies. You do this through your browser (like Internet Explorer)
 settings. Each browser is a little different, so look at your browser's Help menu to learn the
 correct way to modify your cookies.

However, non-personally identifiable visitor information may be provided to other parties for
 marketing, advertising, or other uses.
Google, as a third party vendor, uses cookies to serve ads on our site. Google's use of the DART
 cookie enables it to serve ads to our users based on their visit to our site and other sites on the
 Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content 
network privacy policy.
We have implemented the following:
Opting out:
Users can set preferences for how Google advertises to you using the Google Ad Settings page. 
Alternatively, you can opt out by visiting the Network Advertising initiative opt out page
 or permanently using the Google Analytics Opt Out Browser add on.
We also agree to the individual redress principle, which requires that individuals have a right
 to pursue legally enforceable rights against data collectors and processors who fail to adhere
 to the law. This principle requires not only that individuals have enforceable rights against
 data users, but also that individuals have recourse to courts or a government agency to
 investigate and/or prosecute non-compliance by data processors.
To be in accordance with CANSPAM we agree to the following:
If at any time you would like to unsubscribe from receiving future emails, you can email us at

How do we use your information?

We may use the information we collect from you when you register, make a purchase, sign up for
 our newsletter, respond to a survey or marketing communication, surf the website, or use certain
 other
 site features in the following ways:
       To personalize user's experience and to allow us to deliver the type of content and product 
offerings
 in which you are most interested.
       To improve our website in order to better serve you.

How do we protect visitor information?

We do not use vulnerability scanning and/or scanning to PCI standards.
We do not use Malware Scanning.
We do not use an SSL certificate
       We only provide articles and information, we never ask for personal or private information
 like email
 addresses, or credit card numbers.

Do we use 'cookies'?

Yes. Cookies are small files that a site or its service provider transfers to your computer's
 hard drive through your Web browser (if you allow) that enables the site's or service provider's
 systems to recognize your browser and capture and remember certain information. For instance, 
we use cookies to help us remember and process the items in your shopping cart. They are also 
used to help us understand your preferences based on previous or current site activity, which enables
 us to provide you with improved services. We also use cookies to help us compile aggregate data
 about site traffic and site interaction so that we can offer better site experiences and tools in the future.

       Understand and save user's preferences for future visits.


If you disable cookies off, some features will be disabled It won't affect the users experience
 that make your site experience more efficient and some of our services will not function properly.

However, you can still place orders .

Third Party Disclosure

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable 
information unless we provide you with advance notice. This does not include website
 hosting partners and other parties who assist us in operating our website, conducting our
 business, or servicing you, so long as those parties agree to keep this information confidential.
 We may also release your information when we believe release is appropriate to comply
 with the law, enforce our site policies, or protect ours or others' rights, property, or safety. 

Third party links

We do not include or offer third party products or services on our website.

Google

Google's advertising requirements can be summed up by Google's Advertising 
Principles. They are put in place to provide a positive experience for users.
 https://support.google.com/adwordspolicy/answer/1316548?hl=en 
We use Google AdSense Advertising on our website.


       Remarketing with Google AdSense

We along with third-party vendors, such as Google use first-party cookies (such as the
 Google Analytics cookies) and third-party cookies (such as the DoubleClick cookie) or 
other third-party identifiers together to compile data regarding user interactions with ad
 impressions, and other ad service functions as they relate to our website.


COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under 13, the
 Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal
 Trade Commission, the nation's consumer protection agency, enforces the COPPA Rule,
 which spells out what operators of websites and online services must do to protect children's
 privacy and safety online.
We do not specifically market to children under 13.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the
 United States and the concepts they include have played a significant role in the development
 of data protection laws around the globe. Understanding the Fair Information Practice Principles
 and how they should be implemented is critical to comply with the various privacy laws that protect
 personal information.
In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify the users via email
       Within 7 business days
We will notify the users via in site notification
       Within 7 business days


CAN SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements
 for commercial messages, gives recipients the right to have emails stopped from being 
sent to them, and spells out tough penalties for violations.
We collect your email address in order to:


and we will promptly remove you from ALL correspondence.


Contacting Us

If there are any questions regarding this privacy policy you may contact us using the
 information below.

http://insurances-bay.blogspot.com/
Rue des mimosas
Lome, 6028
TOGO
patricelecho@gmail.com

Last Edited on 2016-01-18

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