Privacy Policy

Last changed January 23, 2025

The Professional Insurance Agents of Kentucky ("PIAKY") respects the privacy of its members and other visitors to its Web Site ("PIAKY.ORG"). PIAKY created this Privacy Policy in order to demonstrate our commitment to user privacy. The following applies to the information gathering and dissemination practices for information collected on or submitted to PIAKY.ORG. Please also see the Terms of Use which all users of PIAKY.ORG agree to abide by as a condition of using PIAKY.ORG.

How Information Is Collected

Information You Provide: PIAKY.ORG collects personally identifiable information from you if you choose to provide this information to us. In a few areas on PIAKY.ORG, we ask you to provide information — or log-in as a PIAKY member, a PIAKY chartered affiliate employee, a customer, or a PIAKY partner (collectively known as "Authenticated Users") — to enable PIAKY to verify whether you are entitled to access and use certain information, materials and services available from PIAKY.ORG; to enhance your site visit; to assist you with customer service or technical support issues; to follow up with you after your visit; to provide information about products and services; or to otherwise support your customer and/or member relationship with PIAKY. While failure to provide this information may mean that you cannot access and use certain information, materials and services on PIAKY.ORG or PIAKY partner web sites, providing personally identifiable information on PIAKY.ORG and logging-in as an Authenticated User are completely optional.

Information That Is Automatically Collected: Basic contact information (name, company name, address, phone number, email address, member identification number, etc.) about Authenticated Users is uploaded from PIAKY's membership database to PIAKY.ORG to enable Authenticated Users to log-in and access password-protected information and programs.

PIAKY.ORG does automatically collect information that does not identify users personally. Via web server logs, for example, PIAKY may monitor statistics such as the number of people that visit PIAKY.ORG, which page(s) are visited on PIAKY.ORG, from which domain our visitors come (e.g., aol.com, yahoo.com, etc.), and which browsers people use to visit PIAKY.ORG (e.g., Mozilla Firefox, Google Chrome, Microsoft Internet Explorer, Safari etc.).

Cookies: A "cookie" is a small file that is placed on your hard drive by a web page server. Cookies are uniquely assigned to you and can be read only by a Web server in the domain that issued the cookie to you.

Each time you initiate a session on PIAKY.ORG the site sets the cookie in order to identify you and determine your access privileges. Cookies do not store any of the personal information that you have provided to the site. They are simply identifiers. Clicking on this box will store the cookie on your hard drive so that you will not have to log in each time you visit PIAKY.ORG.

You have the ability to delete cookie files from your hard drive at any time. However, you should know that cookies may be necessary to provide you with access to much of the content and features of PIAKY.ORG. We use cookie technology to enable Authenticated Users to move quickly and securely through access-controlled areas of PIAKY.ORG and to take advantage of certain useful features on PIAKY.ORG.

How Information Is Used

Information you provide and information that is uploaded to PIAKY.ORG from PIAKY's membership database may be used to verify whether you are entitled to access and use certain information, materials and services available from PIAKY.ORG; to enhance your site visit; to assist you with customer service or technical support issues; to follow up with you after your visit; to provide information about products and services; or to otherwise support your customer and/or member relationship with PIAKY.

PIAKY strives to keep the personal information you provide to us when using PIAKY.ORG and information that is uploaded to PIAKY.ORG from PIAKY's membership database confidential. Agents or contractors of PIAKY who are given access to your personal information are required to keep the information confidential and not use it for any other purpose than to carry out the services they are performing for PIAKY.

We may disclose information you provide to us and information that is uploaded to PIAKY.ORG from PIAKY's membership database to third parties in order to complete a transaction that you requested or to improve your customer experience. We may also outsource some tasks, including the operation of certain web site functions that require access to information you supply online. On occasion, PIAKY may also provide data supplied online to third parties that offer products and services. We may disclose personal information when required by law or in the good faith belief that such action is necessary in order to comply with the law or legal process.

PIAKY monitors PIAKY.ORG "traffic" statistics using information that does not identify users personally so we may improve PIAKY.ORG. We use an outsourcing program to assist us in analyzing this data. Aggregated statistics may also be provided to advertisers and other third parties, but the statistics contain no personal information.

Security

PIAKY takes steps to protect against the loss, misuse, or unauthorized alteration of personally identifiable information. We utilize industry standard SSL encryption when accepting credit card information during our online checkout process. Access to some computer data and files at PIAKY are secured by password coding with access to personally identifiable information strictly limited to those employees who need access in order to carry out their job responsibilities. Our network is behind a firewall designed to prevent unauthorized access.

How You Can Access or Correct Your Data

Authenticated Users may access and correct personal information in their PIAKY.ORG profile. To the extent that other personally identifiable information has been received by PIAKY and is currently stored, please contact the appropriate department of PIAK to review and/or change this information.

Means of Redress

If any PIAKY.ORG user suspects PIAKY has handled its personal information in a manner that does not comply with this Privacy Policy, please contact us by email to info@PIAKY.ORG or by calling (502) 875-3888.

Other Web Sites

PIAKY.ORG contains "links" to other, external Internet Web Sites who may have privacy policies and procedures that differ from those of PIAKY.

Privacy Policy Changes

PIAKY reserves the right to change this Privacy Policy at any time. Updated versions of the Privacy Policy will appear on PIAKY.ORG and are effective immediately. You are responsible for regularly reviewing the Privacy Policy. Continued use of PIAKY.ORG after any such changes constitutes your consent to such changes.

Terms of Use

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEB SITE.

The following terms and conditions ("Terms of Use") explain and govern all access to and use of this Web Site ("PIAKY.ORG"). Through User's access of PIAKY.ORG, User accepts, without limitation or alteration, all of the terms and conditions, contained in these Terms of Use.

Trademarks, Logos, Service Marks: The trademarks, logos and service marks (collectively the "Marks" or "Mark") appearing on PIAKY.ORG are registered and unregistered Marks of the National Association of Professional Insurance Agents ("PIA"), and its affiliates and related subsidiaries. Further, also appearing on PIAKY.ORG are the Marks of other entities' who have granted PIAKY permission for these others' Marks to appear/be used on PIAKY.ORG. User is strictly prohibited from using the Marks displayed on PIAKY.ORG or any other content on PIAKY.ORG, except as provided in these Terms of Use.

Copyright: The contents of all materials on PIAKY.ORG are copyrighted by PIAKY (or PIA National) unless otherwise indicated. All rights are reserved by PIA and content may not be reproduced, disseminated, published, or transferred, in any form or by any means, except with the prior written permission of and with express attribution to PIA. Copyright infringement is a violation of federal law subject to criminal and civil penalties. To inquire about or request permission for use of content from PIA, please email info@piaky.org.

Accuracy of Information: Content provided on PIAKY.ORG is a combination of information produced by PIA, as well as information provided to PIAKY by other organizations. While PIAKY takes reasonable steps to determine the accuracy and completeness of the content contained on PIAKY.ORG, PIAKY disclaims all warranties as to the accuracy, completeness, adequacy, timeliness, and your ability to use such content. You assume sole responsibility for your results when using any content on PIAKY.ORG.

While PIAKY may endorse policy and certain PIAKY sponsored products, services and the commercial providers of same, PIAKY does not endorse, approve or certify such content, nor does it guarantee the accuracy, completeness, efficacy, timeliness, or correct sequencing of such content, especially content controlled and/or created by others that appear on PIAKY.ORG.

Use of such information is voluntary, may be subject to the terms and condition set forth under "Copyright" provisions as stated under these Terms of Use, and reliance on it should only be undertaken after your independent review and decision as to its accuracy, completeness, efficacy, and timeliness. PIAKY shall not be responsible for and assumes no liability for any infringement, mistakes, misstatements of law, defamation, slander, libel, omissions, falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content contained in any third-party content appearing on PIAKY.ORG.

Reference herein to any specific commercial product, process or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation or favoring by PIAKY.

Links to Material on Other Web Sites: PIAKY.ORG contains "links" allowing a user of PIAKY.ORG to access other, external Internet Web Sites ("Third Party Web Sites") containing information created, published, maintained, or otherwise posted by other organizations or individuals not affiliated with and/or controlled by PIAKY. PIAKY does not and cannot endorse, approve, certify, or control these Third-Party Web Sites, and does not guarantee the accuracy, completeness, efficacy, timeliness, or correct sequencing of information or content in these web pages. Use of any information obtained from such Third Party Web Sites is voluntary and reliance on it should only be undertaken after your independent review and determination of its accuracy, completeness, efficacy, and timeliness. PIAKY shall not be responsible for and assumes no liability for any infringement, mistakes, misstatements of law, defamation, slander, libel, omissions, falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content contained in any Third-Party Web Sites.

PIAKY shall not be responsible for and assumes no liability for any damages to, or viruses that may infect, the computer equipment or other property of User arising from or related to access to, use of, or browsing in these Third Party Web Sites or the downloading of any materials, data, text, images, video, or audio from these Third Party Web Sites by User. Reference in Third Party Web Sites to any specific commercial product, process or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendations or favoring by PIAKY.

Damage to Equipment/Information: The nature of electronic, web technology holds the possibility that, despite efforts to the contrary employed by PIAKY, a user’s computer, property and/or personal information may be damaged, infected by a virus, or otherwise adversely affected while using PIAKY.ORG. PIAKY shall not be responsible for and assumes no liability for any such damages or losses. Furthermore, PIAKY expects Users to exercise reasonable care and security measures to guard their systems so as not to infect PIAKY.ORG by their use.

Postings to Be Lawful: This Web Site contains certain interactive areas, including, but not limited to, discussion boards, social media links, an agent-to-agent locator, and PIAKY member profiles. Any user accessing any of these interactive features does so for the exclusive purpose and nature of the specific interactive feature used as prescribed by PIAKY on PIAKY.ORG-and for no other use or purpose whatsoever. Users of any interactive feature shall not post, publish, upload or distribute any messages, data, information, text, graphics, links or other material ("Postings") which is unlawful, unethical, or abusive in any way, including but not limited to any Postings that are defamatory, libelous, pornographic, obscene, threatening, invasive of privacy or publicity rights, inclusive of hate speech, or would constitute or encourage a criminal offense, violate the rights of any party, or give rise to liability or violate any local, state, federal or international law, either intentionally or unintentionally.

Various state and federal laws prohibit the exchange of information among competitors regarding matters pertaining to price, refusals to deal, market division, tying relationships and other topics which might infringe upon antitrust regulations or other commercial laws. No such exchange or discussion will be tolerated. PIAKY fully cooperates with any law enforcement authorities or court order requesting or directing PIAKY to disclose the identity of anyone posting any such information or materials.

PIAKY may delete your Posting at any time for any reason without permission from you and may at its choosing advise that you are restricted or barred from access to and use of these functions and/or PIAKY.ORG.

No Monitoring of Postings: PIAKY has no obligation, nor does it intend to edit, monitor or screen Postings and is not responsible for the content in such Postings or any content linked to or from such Postings. Notwithstanding the foregoing PIAKY reserves the right to examine from time to time some, all, or no interactive areas for adherence to the Terms of Use and to remove any materials that may be objectionable or violate the Terms of Use.

Usernames and Passwords: PIAKY provides usernames and passwords for the benefit of its members, partners, staff, and the staff of PIAKY chartered affiliates. Any attempt to circumvent the PIAKY.ORG login system is a violation of these Terms of Use.

Linking to This Web Site: You may provide links to any publicly available page on PIAKY.ORG, provided (a) you do not remove or obscure, by framing or otherwise, any portion of the Web page, including its advertisements, the Terms of Use, the copyright notice, the Privacy Policy, or other notices on PIAKY.ORG, (b) the Web Site you are linking from does not engage in, promote, display or condone unlawful activity, illegal material, sexually explicit, obscene, or pornographic activities or materials, hateful, defamatory, harassing or discriminatory activities, graphic violence, or illegal drugs; engage in illegal business activities; or make false, misleading, derogatory and otherwise defamatory statements about PIAKY, (c) you discontinue providing links to PIAKY.ORG if requested by PIAKY.

No Legal Advice: Content does not constitute and is not intended to constitute "expert professional advice" (legal, accounting or otherwise) or to create an attorney-client or other expert professional-client relationship. Content does not replace the need for any user to review, evaluate and finally determine their proper use of information secured from/through PIAKY.ORG, independently and/or with the services of their own attorney, accountant or other expert that would or could know the user's particular circumstances and specifically related laws for same.

DISCLAIMER: PIAKY.ORG AND THE CONTENT ARE PROVIDED ON AN "AS IS, AS AVAILABLE" BASIS. PIAKY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. PIAKY DISCLAIMS ALL RESPONSIBILITY FOR ANY LOSS, INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING FROM, ARISING OUT OF OR ANY WAY RELATED TO (A) ANY ERRORS IN OR OMISSIONS FROM PIAKY.ORG AND THE CONTENT, INCLUDING BUT NOT LIMITED TO TECHNICAL INACCURACIES AND TYPOGRAPHICAL ERRORS, (B) ANY THIRD PARTY WEB SITES OR CONTENT THEREIN DIRECTLY OR INDIRECTLY ACCESSED THROUGH LINKS IN PIAKY.ORG, INCLUDING BUT NOT LIMITED TO ANY ERRORS IN OR OMISSIONS THEREFROM, (C) THE UNAVAILABILITY OF PIAKY.ORG, THE CONTENT, OR ANY PORTION THEREOF, (D) YOUR USE OF PIAKY.ORG OR THE CONTENT, OR (E) YOUR USE OF ANY EQUIPMENT OR SOFTWARE IN CONNECTION WITH PIAKY.ORG OR THE CONTENT.

LIMITATION OF LIABILITY: PIAKY SHALL NOT BE LIABLE FOR ANY LOSS, INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING FROM YOUR USE OF PIAKY.ORG, THE CONTENT, THE INTERACTIVE AREAS OF PIAKY.ORG OR ANY FACTS OR OPINIONS APPEARING ON OR THROUGH AN INTERACTIVE AREA. PIAKY SHALL NOT BE LIABLE FOR ANY SPECIAL, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (INCLUDING, WITHOUT LIMITATION, ATTORNEYS' FEES) IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN CONNECTION WITH THE USE OF OR INABILITY TO USE PIAKY.ORG OR THE CONTENT. TO THE EXTENT THE FOREGOING LIMITATION OF LIABILITY IS PROHIBITED OR FAILS OF ITS ESSENTIAL PURPOSE, PIAKY'S SOLE OBLIGATION TO YOU FOR DAMAGES SHALL BE LIMITED TO $100.00.

Indemnification: You agree to indemnify, defend and hold harmless PIAKY, its officers, directors, employees, agents, licensors, suppliers and any third-party information providers to PIAKY.ORG from and against all claims, losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of these Terms of Use by you.

Third Party Rights: The provisions of the paragraphs labeled Disclaimer, Limitation of Liability, and Indemnification are for the benefit of PIAKY and its officers, directors, employees, agents, licensors, suppliers, and any third-party information providers to PIAKY.ORG. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

Unlawful Activity: PIAKY reserves the right to investigate complaints or reported violations of our Terms of Use and to take any action we deem appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities, including, but not limited to, user profiles and posted materials.

Remedies for Violations: PIAKY reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including but not limited to the right to block access from a particular Internet address to PIAKY.ORG and any other PIAKY Web sites and their features.

Governing Law: PIAKY controls and operates PIAKY.ORG in the United States. We make no representation that materials at PIAKY.ORG are appropriate outside of the United States. Access to PIAKY.ORG from territories where such use is illegal is strictly prohibited. Those who choose to access PIAKY.ORG from outside the United States do so on their own initiative and are responsible for compliance with applicable local laws. Materials may not be used or exported in violation of U.S. export laws and regulations. Any claim relating to the materials shall be governed and construed in accordance with the laws of the United States and the District of Columbia and User consents to the exclusive jurisdiction of the state courts and U.S. federal courts located there.

Privacy Policy: Your use of PIAKY.ORG is subject to PIAKY’s Privacy Policy.

Severability of Provisions: These Terms of Use incorporate by reference any notices contained on PIAKY.ORG, the Privacy Policy, the PIAKY Logo Use Guidelines, and constitute the entire agreement with respect to access to and use of PIAKY.ORG. If any provision of this Agreement is found to be unenforceable, the enforceability of the other provisions shall not be affected and the invalid provision shall be replaced by a provision, which being valid, comes closest to the intention underlying the invalid provision.

Modifications to Terms of Use: PIAKY reserves the right to change these Terms of Use at any time. Updated versions of the Terms of Use will appear on PIAKY.ORG and are effective immediately. You are responsible for regularly reviewing the Terms of Use. Continued use of PIAKY.ORG after any such changes constitutes your consent to such changes.

Refund Policy