You take online privacy seriously and so does the JM&A Group (which includes Jim Moran & Associates, Inc., Fidelity Warranty Services, Inc., Fidelity Insurance Agency and Courtesy Insurance Company).  This Privacy Policy describes how the JM&A Group collects, uses and discloses certain personal information obtained through the JM&A Group’s websites (the “Sites”).  

What Information We Collect and Maintain About You

In general, you can visit our Sites without telling us who you are or sharing any information that personally identifies you ("Personally Identifiable Information"). However, throughout our Sites, you may voluntarily submit Personally Identifiable Information. The JM&A Group only collects Personally Identifiable Information about you if you choose to share it with us. For example, you may submit Personally Identifiable Information to assist in processing a claim on our Sites.  Personally Identifiable Information may include, but is not limited to, your name, e-mail address, physical address, drivers license number, phone number and account number at a bank or financial institution.

In addition, like many websites, we gather certain information about our Sites’ traffic for administrative and analytical purposes.

How We Use Your Information

Our primary use of personal information is to administer claims, to respond to requests for information, to promote the smooth and efficient administration of the Sites, and to provide you and other customers, including potential customers, with information that may be of interest. We provide this information to you through the Sites, by e-mail, telephone, text messages, social media postings or by postal mail. 
If you have opted to receive marketing communications from the JM&A Group, we may provide you with marketing information we think would be of particular interest. We will give you the opportunity to opt out of receiving such direct marketing communications.

Whom we share your information with

We do not share any of the personal information you provide to us with any third party other than our service providers who assist us in our regular business operations. To the extent that we do share your personal information with a service provider, we would only do so if that party has agreed to comply with our privacy standards as described in this Privacy Policy.

In addition, we may disclose information as required by law or when we believe that such disclosure is necessary in connection with a judicial proceeding or to comply with a court order, law or regulation applicable to us or the Sites; as we reasonably determine to be necessary to protect our property or assert our legal rights; or as we reasonably determine to be necessary to protect the property or safety of any other person. 

We may assemble collective, non-individually identifiable profiles of Site users and their activities and interests, which may be disclosed to third parties in our discretion.


We do not have a process for you to review and request changes to your nonpublic personal information that is collected through our Sites.

How You Can Access or Correct Your Information

We do not have a process for you to view, update or correct your information.  

Our Commitment to Data Security

To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we employ physical, technical and administrative procedures to safeguard the personal information we collect online. However, we cannot ensure or warrant the security of any information you transmit to the Sites or to us, and you transmit such information at your own risk.


We use "cookies" on the Sites. A cookie is a small data file that certain websites write to your hard drive when you visit them. A cookie file can contain information such as a user ID that the Sites use to track the pages you've visited, but the only personal information a cookie can contain is information you supply yourself. A cookie cannot read data off your hard disk or read cookie files created by other sites. You can configure your Internet browser to notify you when you receive a cookie, giving you the chance to accept or refuse it. You can also refuse all cookies by turning them off in your browser.

Personal Information We May Receive from Third-Party Social Networking Websites

If you choose to access or use third-party social networking services (such as Facebook, Twitter, or Yelp), we may receive personal information about you that you have already made available to those services, including information about your contacts on those services.  The JM&A Group will not sell such information or use the information in a manner that is inconsistent with this Privacy Policy. Your decision to use a social networking site to interact with us will always be voluntary.

Links to Other Websites

The JM&A Group Sites may contain links to websites of our subsidiaries and affiliates. Unless otherwise disclosed, these other websites are governed by this Privacy Policy. 

User-generated Content and Public Profile Features

The JM&A Group Sites may contain interactive areas where users might submit comments or other content (including information about the user that might be displayed in the user’s public profile within an online community) that may be posted on the Sites or otherwise published. Users who do this should be aware that when they voluntarily disclose Personally Identifiable Information (e.g., name, e-mail address, etc.) in content submitted for posting or publication, the information can be read and used by others. This may result in unsolicited messages from other posters or parties. We make no representations and undertake no obligations as to the security or use of information you voluntarily include when submitting content.

Information Security

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

Former Customers’ Information

If you have an inactive or closed account(s) with us, we will continue to adhere to the policies and practices described in this notice.

Children's Privacy

Our Sites are not directed to children under the age of 13, and we do not knowingly collect Personally Identifiable Information from children under the age of 13.  If you would like to learn more about COPPA, visit the Federal Trade Commission home page at

California Privacy Rights

Pursuant to California Civil Code Section 1798.83, the JM&A Group confirms that it does not disclose any person’s Personally Identifiable Information to third parties for their own direct marketing purposes.  

California "Do Not Track" Disclosures

We do not track your on-line activity across other websites, nor do we knowingly permit any third-parties to conduct online tracking of you while you are visiting our Sites.  Our websites do use web analytics services, which use cookies to analyze use patterns and may collect information about your use of the Sites, including your IP address.

Application of United States Laws

Our Sites are based on computers located in the United States, however, your Personally Identifiable Information may be stored both inside and outside of the United States.  While data protection and privacy regulations may differ in different parts of the world, as explained above, we maintain safeguards that comply with state and federal regulations to guard your nonpublic personal information.

Changes to Our Privacy Policy

We regularly review this Privacy Policy to ensure that it provides an appropriate level of protection for your personal information and we may make changes to this Privacy Policy to keep it current with industry standards. We will post the date of the most recent revisions on this page. Check this page to make sure that you are current and up-to-date on our Privacy Policy. Your use of the Sites means that you accept our Privacy Policy. By your continued use of the Sites, you impliedly consent to the terms of any revised Privacy Policy we may post.

Effective November 6, 2018.