900 S Pine Island Rd Ste 300
Plantation, FL 33324
Phone: 1-888-253-8498 / 954-382-4350
Fax: 954-382-2810

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Our Commitments to Your Privacy

Effective on: 12/17/2005

Setnor Byer Insurance & Risk is committed to protecting your privacy and implementing technology that gives you a safe online experience.

Because this website, www.setnorbyer.com, wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and has agreed to notify you of:

  1. what personally identifiable information or third party personally identifiable information is collected through the web site;
  2. the organization collecting the information;
  3. how the information is used;
  4. with whom the information may be shared;
  5. what choices are available to you regarding collection, use, and distribution of the information;
  6. the security procedures that are in place to protect the loss, misuse, or alteration of information under www.setnorbyer.com control; and
  7. how you can access, correct, and update your information.

If you have questions or concerns regarding this statement, please Contact Us.

Information Collection and Use

Setnor Byer Insurance and Risk is the sole owner of the information collected on this site. We will not sell, share or rent this information to others in ways different from what is disclosed in this statement. Setnor Byer Insurance and Risk collects information from our users at several different points on our website.

Feedback Form

Name and e-mail address are requested in our feedback form on the Contact Us page. This information is used only for the purpose of replying to comments and requests for information and is not made available to any outside party.


A cookie is a piece of data stored on the user's hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. We use both session ID cookies and persistent cookies. For session cookies, once the user closes his/her browser, the cookie simply terminates. A persistent cookie is a small text file stored on the user's hard drive for an extended period of time.

For instance, by setting a cookie on our site, the user would not have to log in a password more than once, thereby saving time while on our site. If a user rejects the cookie, he/she may still use our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.

Log Files

We use IP addresses to analyze trends, administer the site, track users' movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

Disclosure When Required By Law

We may disclose personally identifiable information when required by law.

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our Web site.


If a user wishes to subscribe to our newsletter, we ask for contact information, such as name and e-mail address.

When users subscribe to a newsletter, the pop-up window is on another url (www.myemma.com). This third party is simply acting as a service provider and collecting the information on behalf of Setnor Byer Insurance and Risk. The personal information provided by the user is being used solely by Setnor Byer Insurance and Risk and is protected under the Privacy Policy that you are currently reading.


We take every precaution to protect our users' information.

When you submit sensitive information via the Website (such as credit card number), your information is protected with Secure Socket Layer (SSL), the industry-standard encryption software.

While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user-information offline. Our site and all customer data reside on our secure in-house server, behind our firewall. We use VeriSign as our Certification Authority (CA). Our customer database is backed up regularly, and access to personal account information is limited to only those employees who need the information to perform a specific job. Employees must use password-protected screen-savers when leaving their work area, which further protects customer information from unauthorized access.

All employees are kept up-to-date on our security and privacy practices. During orientation, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our clients' information remains secure and protected at all times. If you have any questions about the security at our Website, please Contact Us.

Special Offers

We send all new members a welcoming e-mail to verify password and username. Established members will occasionally receive information on products, services, special deals, and a newsletter. Out of respect for the privacy of our users, we present the option to not receive these types of communications. Please see our choice and opt-out below.

Site and Service Updates

We also send the user site and service announcement updates. Members are not able to unsubscribe from service announcements, which contain important information about the service. We communicate with the user to provide requested services, and in regard to issues relating to his/her account via e-mail or phone.

Correction/Updating Personal Information

If a user's personally identifiable information changes (such as email address), or if a user no longer desires our service, we will endeavor to provide a way to correct, update, or remove that user's personal data provided to us. You may unsubscribe to our service by e-mailing our Customer Support or calling us at 1-800-521-9667. For personal information changes, please edit your profile under the "my home" section once you are logged in.


Users who no longer wish to receive our newsletter or promotional materials from us on behalf of our partners may opt out of receiving these communications by e-mailing . Users of our site are always notified when their information is being collected by any outside parties. We do this so our users can make an informed choice as to whether they should proceed with services that require an outside party or not.

Notification of Changes

If we decide to change our privacy policy, we will post those changes on our homepage so that our users are always aware of what information we collect, how we use it, and under circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of e-mail. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.


"Setnor Byer Insurance & Risk was very helpful. They are absolutely wonderful."

Melissa- Personal Lines ClientLearn More