Privacy Policy


Bernard Williams & Company, LLC (“Bernard Williams,” “we,” “us,” or “our”) is serious about protecting your privacy.  We understand your concerns with regard to how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly.  This website privacy policy (this “Privacy Policy”) describes what information we collect about you through Bernard Williams’ website (, or any replacement site, the “Website”), how we collect it, how we use it, with whom we may share it, and what choices you have regarding it.  We encourage you to become familiar with the terms and conditions of this Privacy Policy, as it is a legally binding agreement between you, the user accessing the Website, and Bernard Williams.  By accessing and using the Website, you agree that you have read and understand this Privacy Policy, and that in exchange for access to the Website, you accept and consent to the privacy practices (and any uses and disclosures of information about you) that are described in this Privacy Policy.


What Information Do We Collect?

As described in detail below, we may collect certain identifying information from or about you, including Personal Information (as defined below), in connection with your use of, or your submissions to, the Website (collectively, the “Collected Information”).  Bernard Williams uses the information we collect to provide services to you, to improve the Website’s content, materials, and services, and to more effectively and efficiently respond to both current and future customer inquiries.


Cookies and Usage Reports

By placing a small file known as a “cookie” on your computer, Bernard Williams’ servers passively gather information about all visitors’ use of the Website for statistical and market research purposes.  The Collected Information we track with cookies includes, but is not limited to, the type of browser and Internet-connected device being used to access the Website, your Internet protocol (“IP”) address, your home domain or Internet service provider, how you were directed to the Website, which specific pages you access on the Website, how long you view each page, and the total number of visitors to the Website.

Most popular Internet browser applications will allow you to configure the browser so as not to accept cookies.  However, setting your browser to reject cookies may, in certain instances, prevent you from taking full advantage of the Website and its capabilities.  Currently, Bernard Williams does not use cookies that collect Personal Information (as defined below



If you correspond with Bernard Williams through the Website or via email, the Collected Information may include the content of, and metadata regarding, any correspondence you may have with us.  We treat all correspondence in the same confidential manner as all other Collected Information.


Personal Information Provided by You

“Personal Information” means information that specifically identifies you as an individual, such as your full name, telephone number, e-mail address, postal address, or certain account numbers.  As used in this Privacy Policy, Personal Information does not include information protected under HIPAA, which would be protected as described in the HIPAA Notices of Privacy Practices of your health plans or physicians and other health care professionals.

The Website may include web pages that give you the opportunity to provide us with Personal Information about yourself.  You do not have to provide us with Personal Information if you do not want to; however, if you choose not to, that may limit your ability to use certain functions of this Website or to request certain services or information.


Online Account Management

If you elected to subscribe to any online services at the Website, including the ability to manage your account online, you will be required to submit Personal Information for the purpose of verifying your identity and your authority to manage the account.  This Personal Information will be used exclusively by Bernard Williams, our agents, suppliers, and third-party service providers for internal use and to respond to your service requests.  All online account management pages use industry-standard encryption to secure all personally identifiable information transmitted between Bernard Williams’ servers and your computer.


How Do We Use and Share The Information That We Collect?

We do not use or share Personal Information submitted to the Website unless we are authorized to do so, or we are required to do so by law.  Please see our Notice of Privacy Practices, available at, for a description of how we use and share your Personal Information, and your rights with regard thereto.

We may use Collected Information that is not Personal Information to analyze and improve the content, features, services, and applications that we make available on the Website.  If you contact us for support or assistance, we may use information about you or your system for purposes such as verifying whether your system meets the minimum requirements needed to use the Website and our various services.

In addition to the uses mentioned or described elsewhere in this Privacy Policy, we may catalog and add Collected Information to our database.  We may, from time to time, utilize a number of trusted business and marketing partners in delivering the content, materials, and opportunities available on or through the Website.  To the extent necessary for purposes of communicating with you or fulfilling your requests for such content, materials, and opportunities, we may share information about you with these business partners.  We may also produce reports on the Website’s traffic or usage patterns and share these reports with our business partners and others, but the information contained in these reports is anonymous and does not allow identification of any specific individual.

We may also disclose information about you if we become subject to a subpoena or court order, or if we are otherwise legally required to disclose information.  We may also disclose information about you to establish or exercise our legal rights, to assert and defend against legal claims, or if we believe such disclosure is necessary to investigate, prevent, or take other action regarding actual or suspected illegal or fraudulent activities or potential threats to the physical safety or well-being of any person.

As Bernard Williams grows and develops its business, it is possible that its corporate structure or organization might change or that it might merge or otherwise combine with, or that it or portions of its business might be acquired by, another company.  In any such transactions, customer information generally is, and should be expected to be, one of the transferred business assets.


What Choices Do You Have?

When submitting information, corresponding, making requests for information, and otherwise interacting with Bernard Williams and its representatives through or in connection with the Website, you choose what information to supply or submit, whether you wish to receive further information, and how you may be contacted.  Please take care to share only such information as is needed or that you believe is appropriate.  If you have created an online account, you may change your correspondence preferences by logging into your account. You may disable your online account access at any time, however, this will not necessarily result in the deletion of any Collected Information.


How Do We Protect Information Collected About You?

Bernard Williams takes commercially reasonable measures to secure and protect information transmitted via or stored on the Website.  Nevertheless, no security system is impenetrable.  We cannot guarantee that information that users of the Website may happen to transmit or otherwise supply will be totally secure. You agree to immediately notify us of any breach of Website’s security or this Privacy Policy of which you become aware.


Linked Websites

For your convenience, some hyperlinks may be posted on the Website that link to other websites not under our control.  We are not responsible for, and this Privacy Policy does not apply to, the privacy practices of those sites or of any companies that we do not own or control.  We encourage you to seek out and read the privacy policy of each website that you visit.  In addition, should you happen to initiate a transaction on a website that our Website links to, even if you reached that site through our Website, the information that you submit to complete that transaction becomes subject to the privacy practices of the operator of that linked website.  You should read that website’s privacy policies to understand how information that is collected about you is used and protected.


Information for Children under 13

Our Website is intended for insurance and financial products and services and is not intended for children.  We do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen.  If we become aware that information is or has been submitted by or collected from a child under the age of thirteen, we will delete this information.


Who Can You Contact For More Information?

If you have any questions or suggestions about the Website, Bernard Williams, our services, or our privacy practices, please contact us at the number or address given below.


Bernard Williams & Company, LLC

6001 Chatham Center Drive, Suite 100

Savannah, GA 31405

(866) 433-4476





Effective Date

The effective date of this Privacy Policy is January 1, 2013.


Changes to Privacy Policy

From time to time, we may change this Privacy Policy because of changes in relevant and applicable legal or regulatory requirements, our business practices, or in our attempts to better serve your needs and those of our other customers.  Any changes to our Privacy Policy will be posted on the Website.  It is your responsibility to review our Privacy Policy each time you use this Website.  By continuing to use this Website, you consent to any changes to our Privacy Policy.