Terms & Privacy

At Saginaw Bay Underwriters, we recognize that privacy and security of personal information is a concern to our clients. We have taken care in establishing and implementing policies and procedures to protect this information.

Policy Updates

We reserve the right to alter or amend this privacy statement at any time and without prior notice. Notice of any changes will be provided on the Web site with an updated revision date. Any changes or updates will be effective immediately upon posting to our Web site.

Information Automatically Logged

We use IP addresses to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information. A cookie is a small file stored on your computer by a web site to give you a unique ID. The cookie is sent by our Web site to your browser, and then it may be stored on your computer or system. Cookies may be used to recognize you as a user and to tailor our Web site to your interests based on your previous use of the Web site. Cookies do not contain any personally identifiable information. If for any reason you don’t want to take advantage of cookies, you may have your browser not accept them, although this may disable or render unusable some of the features of the Web site.

In addition to cookies, other technologies such as web beacons or web analytical tools may be used by our third party affiliates to collect information regarding your access to and use of the Web site. Such information may be used to provide Web site and service enhancements for customers and Web site visitors and to optimize your online experience. Such information may also be used for web analytics, processing, security or fraud detection purposes.

Personal Information

The public portion of this Web site does not request any personal information or collect any information that personally identifies you or allows you to be personally contacted, other than the information you choose to submit to us through our forms. We do not share any personal information with any third parties nor do we use any personal information for any purpose not specifically requested by you. We may, however, release information if required to do so by law or legal process, or to investigate, prevent, or take action regarding fraudulent or illegal activities.

External Links

This site contains links to other sites. Saginaw Bay Underwriters is not responsible for the privacy practices or the content of such Web sites.


This site has security measures in place to protect the loss, misuse, and alteration of the information under our control. We use standard and accepted methods of securing our site and the machine(s) that serve the site to the public. We continue to monitor and review the privacy measures we use to protect client information. These measures are updated as practices change and new technology becomes available. However, we cannot guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of any of our security measures.


All materials in this site are copyrighted and may not be reproduced or marketed for any purpose without prior written approval.

Contact Saginaw Bay Underwriters

If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, please contact us.