Disclaimers

Security Online

At Upstate Agency, LLC., the security of your nonpublic personal and health information is a top priority. We employ extensive security measures in order to insure a safe and reliable online experience for our customers. Described below are some of the security measures we employ.

How We Handle E-mail

E-mails sent by using the Contact Us link on our regular Web site may not be secure so you should not include confidential information in your e-mail correspondence to us. We will not include confidential nonpublic personal information in our responses to you through this medium. If the need arises that we need to send confidential information to you through email, we will use an encrypted email system. You have the option of contacting us by phone, U.S. mail, by visiting our office.

Security Tips

Even though we employ the latest technologies and security precautions to ensure you a safe and secure online experience, you play an important role in helping us make your accounts as secure as possible. We strongly encourage you to do the following:

1) Keep any User ID(s) and Password(s) confidential;

2) When creating Password(s) use something that is not easily discernible; use a combination of alpha, numeric and special characters in your passwords (refrain from using birthdays, child’s names, etc.);

3) Change your Password(s) routinely and often; and

4) Use different Password(s) for each online service you utilize.

Upstate Agency, LLC. 

Important Notice

Please read these terms and conditions carefully. By accessing and using this Web site, you agree to be bound by the terms and conditions that follow. If you do not agree to the terms and conditions below, do not access this Web site. References to Upstate Agency, LLC. include Upstate Agency, LLC., and any of its affiliated companies.

No Warranties

The information and materials contained as part of this site are provided on an “as is” and “as available” basis. Upstate Agency, LLC., does not warrant the accuracy, adequacy or completeness of this information and materials, and it expressly disclaims liability for errors or omissions in this information and materials due to circumstances beyond its control.

Limitation of Liability

In no event shall Upstate Agency, LLC., be liable for any damages (including without limitation any direct, indirect, special, incidental, or consequential damages), losses or expenses arising in connection with the Web site, the use of the Web site, or the inability of anyone to use the Web site. Upstate Agency, LLC. shall also not be liable for any damages, losses or expenses that arise in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, or computer or system failure. Upstate Agency, LLC., shall not be liable for such damages, losses or expenses even though it or its representatives are advised of the possibility of such damages, losses or expenses.

Hyperlinks

Hyperlinks to other Internet resources are to be used by you at your own risk. The content, accuracy, opinions expressed and other links provided by these resources may not be investigated, verified or monitored by Upstate Agency, LLC., and such links are not endorsed by Upstate Agency, LLC., unless otherwise specifically stated.

Products and Services

This Web site, and the products and services that are described or offered through this Web site, can be amended in whole or in part or terminated at any time. Users of the Web site shall have no right to expect the continuation of any part of the Web site nor any products and services that are described or offered though the Web site. Your eligibility for particular products and services is subject to final determination and acceptance by Upstate Agency, LLC.

Submissions

All information submitted by you via this Web site may be used by Upstate Agency, LLC., in any manner that complies with applicable laws and regulations and the policies of Upstate Agency, LLC.

Copyright

Upstate Agency, LLC., or a third party vendor own the copyright to the pages and the screens displaying the pages that appear on this Web site.

Trademarks and Service Marks

Upstate Agency, LLC., or a third party vendor own the claim trademark and service mark rights in marks contained in the pages.

No Waiver

No waiver of any of the foregoing terms and conditions shall be effective unless it is in writing and signed by an authorized officer of Upstate Agency, LLC., and no waiver shall deem to imply or constitute a continuing waiver or that of any other term or condition.

Governing Law

These terms and conditions are governed by Federal laws and regulations and those of the State of New York.

Subsequent Changes

Terms and conditions posted here are subject to change at Upstate Agency, LLC.’s discretion.

Upstate Agency, LLC. 

Please know that our Privacy Practices apply in entirety, as appropriate, to anything consumers/customers might do at our Web site.

We use information you provide to us through our Web site only for the specific purpose of providing you with a requested service or to respond to your inquiries. Any nonpublic personal information you provide to us is not sold, nor will it be shared with others except to provide you with a service specifically requested or unless we are compelled to do so by law.

How We Handle E-mail

We preserve the content of your e-mail, your e-mail address and our response so that we can more efficiently handle any follow-up questions you may have. We also do this to meet legal and regulatory requirements.

E-mails sent by using the Contact Us link on our regular Web site may not be secure so you should not include confidential information in your e-mail correspondence to us. We will not include confidential nonpublic personal information in our responses to you through this medium. You have the option of contacting us by phone, U.S. mail, by visiting our office or one of Glens Falls National Bank and Trust Company’s nearest community banking offices.

Online Information Collection and Sharing

Some areas of our Web site may require certain information, such as your e-mail address, in order for us to respond to you. In these cases, we collect your information only to interact with you or to monitor activity on our Web site.

If you browse our Web site anonymously and do not interact with us, personal information, such as your e-mail address, is not collected.

We gather and analyze data regarding usage of our Web site, including domain name, number of hits, pages visited, length of user session, etc., to evaluate the usefulness and effectiveness of our site.

About "Cookies"

To provide better service and a more effective Web site, we use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our Web page server. We do not combine information collected through cookies with other nonpublic personal information to determine who you are or your e-mail address.

Cookies are commonly used on Web sites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our Web site and for a number of purposes related to processing transactions you have requested us to perform for you.

IP Addresses

Our Web servers automatically collect limited information about your computer’s connection to the Internet, including your IP address, when you visit our site. Your IP address is a number that lets computers attached to the Internet know where to send you data -- such as the Web pages you view.) Your IP address does not identify you personally.

Protecting Children

Our Web site is directed to a general audience. We do not knowingly solicit or collect personal information from children. We recognize that protecting children's identities and their privacy online is important and it is a responsibility that rests with both the online industry and with parents.

Links to Other Sites

From time to time, we may establish links to other Web sites as a service to the visitors to our Web site. These links are provided as a service to our customers and to provide them with greater convenience and access. Please note, since we cannot control information on other Internet sites, we are not responsible for the content of websites we may choose to link from www.upstateagency.com. You should review that Web site’s own privacy notice.

Our Commitment to Your Privacy

Whether it is the Internet, in person, via telephone or mail, Upstate Agency, LLC. is committed to protecting your privacy. We will provide you with safeguards appropriate to ensure the safety of your nonpublic personal information that you have entrusted to us.

Upstate Agency, LLC. 

If you suspect that someone has had unauthorized access to your account with us, or access to your personal identifying information such as your Social Security Number or credit card information, please notify any of our representatives immediately so we can take appropriate action to protect you.

Upstate Agency, LLC.:

Employee Benefits Division

103 Main St., 
South Glens Falls, NY 12803 
Tel. 518-793-2885
Fax 518-798-7502

Property & Casualty

103 Main St., 
South Glens Falls, NY 12803 
Tel. 518-792-5841
Fax 518-793-3627

In addition, you should also file a report with:

Federal Trade Commission (FTC):

Toll-free: Consumer Response Center 1-877-FTC-HELP (382-4357) (TTY 1-866-653-4261)

ID Theft Hotline 1-877-438-4338

Online: ID Theft Web site www.ftc.gov/bcp/edu/microsites/idtheft/

Credit Bureau Fraud Assistance Services Toll-free:

- Equifax                       1-800-525-6285                    www.equifax.com
- Experian                     1-888-397-3742                    www.experian.com
- Trans Union                1-800-680-7289                    www.transunion.com

Local police and law enforcement 

Upstate Agency, LLC.

 

If you would like to reduce the amount of advertising you receive from other companies, consider contacting and registering with the following entities:

Federal Trade Commission (FTC) National Do Not Call Registry:

- Online at: www.donotcall.gov
- By Calling: 1-888-382-1222 (TTY 1-866-290-4236)

Direct Marketing Association:

Mail Preference Service

- Direct Marketing Association 

P.O. Box 643

Carmel, NY 10512

E-mail Preference Service

- Online at: http://www.dmachoice.org 

If your premium payment is not made by the due date indicated by your insurance company, they will send out legal notification of their intent to cancel the policy. The notification will include a final date of cancellation and the payment must be made to the insurance company prior to this date to avoid cancellation. Please be advised that this notice is sent directly to you from the insurance company. Upstate Agency, LLC., is unable to contact customers regarding cancellation for non-payment of premium. It is not the practice of Upstate Agency, LLC., to track insurance company billings. We recommend customers take advantage of automatic payment options offered by the insurance companies to avoid late payments and cancellations.