Privacy Policy

Website Terms & Conditions of Use

1. Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

2. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on Curran Cooney Penny Agency’s web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
modify or copy the materials;
use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
attempt to decompile or reverse engineer any software contained on Curran Cooney Penny Agency’s web site;
remove any copyright or other proprietary notations from the materials; or
transfer the materials to another person or “mirror” the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Curran Cooney Penny Agency at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
3. Disclaimer
The materials on Curran Cooney Penny Agency’s web site are provided “as is”. Curran Cooney Penny Agency 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, Curran Cooney Penny Agency does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
4. Limitations
In no event shall Curran Cooney Penny Agency 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 Curran Cooney Penny Agency’s Internet site, even if Curran Cooney Penny Agency or a Curran Cooney Penny Agency 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.

5. Revisions and Errata
The materials appearing on Curran Cooney Penny Agency’s web site could include technical, typographical, or photographic errors. Curran Cooney Penny Agency does not warrant that any of the materials on its web site are accurate, complete, or current. Curran Cooney Penny Agency may make changes to the materials contained on its web site at any time without notice. Curran Cooney Penny Agency does not, however, make any commitment to update the materials.

6. Links
Curran Cooney Penny Agency has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Curran Cooney Penny Agency of the site. Use of any such linked web site is at the user’s own risk.

7. Site Terms of Use Modifications
Curran Cooney Penny Agency may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law
Any claim relating to Curran Cooney Penny Agency’s web site shall be governed by the laws of the State of New York without regard to its conflict of law provisions.

General Terms and Conditions applicable to Use of a Web Site.

Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.

Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
We will only retain personal information as long as necessary for the fulfillment of those purposes.
We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
We will make readily available to customers information about our policies and practices relating to the management of personal information.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

Customer Privacy Policy & Practices Notice

Information we collect:
We collect non-public personal information about you from the following sources:

Information we receive from you on applications, questionnaires, or other forms.
Information about your transactions with us, our affiliates or others.
Information we receive from a consumer reporting agency.
Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you.

Information we may disclose to third parties:

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

Nonaffiliated third parties to whom disclosures may be made:

We disclose nonpublic personal information about you only to non-affiliated third parties as permitted by law.

Affiliates with whom we share certain information protected by the Fair Credit Reporting Act, unless you tell us not to:

A. Information we can share with our affiliates, unless you tell us not to

Unless you tell us not to, we may share with our affiliated companies information about you, including:

Information we obtain from your insurance application, such as your income or your marital status;
Information we obtain from a consumer report, such your credit score or credit history;
Information we obtain to verify representations made by you, such as your open lines of credit; and
Information we obtain from a person regarding its employment, credit, or other relationship with you, such as your employment history.

B. Our affiliated companies who may receive this information are:

Financial service providers, such as: insurance carriers, other insurance agents, brokers, and managing general agents (MGAs) who we place policies with.
Our other affiliates, such as: MGW, Inc., N.S. Gigourtakis & Co., Inc., and Michael G. Wittkowski Agency, Inc.
C. How to tell us not to share this information with our affiliated companies:

If you prefer that we not share this information with our affiliated companies, you may direct us not to share this information by doing the following: (1) Call us at (516) 484-5200; or (2) E-mail us at

Our practices regarding information confidentiality and security:

We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Our policy regarding dispute resolution:

Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Reservation of the right to disclose information in unforeseen circumstances:

In connection with the potential sale or transfer of its interests, Curran Cooney Penny Agency and its affiliates reserves the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be Curran Cooney Penny Agency’s successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.