Professional Culinary Insurance Protection

1. Acceptance of Terms

By accessing and using ChefSurety's website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations.

2. Service Description

ChefSurety provides professional insurance brokerage services for culinary professionals, restaurants, and food service businesses. We connect clients with appropriate insurance products from licensed insurance carriers.

3. User Responsibilities

• Provide accurate and complete information when requesting quotes
• Maintain confidentiality of any account credentials
• Use our services only for lawful purposes
• Comply with all applicable insurance requirements and regulations

4. Limitation of Liability

ChefSurety acts as an insurance broker and is not liable for coverage decisions made by insurance carriers. Our liability is limited to our brokerage services and does not extend to insurance claim outcomes.

5. Privacy and Data Protection

Your personal information is protected under our Privacy Policy and applicable data protection laws including GDPR for EU residents.

6. Modification of Terms

We reserve the right to modify these terms at any time. Users will be notified of significant changes via email or website notice.

7. Governing Law

These terms are governed by the laws of Illinois, USA, and any disputes will be resolved in Chicago, Illinois courts.

Information We Collect

We collect personal information necessary to provide insurance quotes and services, including:

• Contact information (name, phone, email, address)
• Business information (type, size, location, operations)
• Insurance history and claims experience
• Financial information for underwriting purposes

How We Use Your Information

• To provide accurate insurance quotes and recommendations
• To communicate about your insurance needs and policies
• To process applications and facilitate policy binding
• To provide ongoing customer service and support
• To comply with legal and regulatory requirements

Information Sharing

We share your information only with:

• Licensed insurance carriers for quote and underwriting purposes
• Service providers who assist in our operations (with appropriate safeguards)
• Legal authorities when required by law

Data Security

We implement industry-standard security measures to protect your personal information, including encryption, secure servers, and access controls.

Your Rights

You have the right to access, correct, delete, or restrict processing of your personal data. Contact us to exercise these rights.

Contact Information

For privacy-related questions, contact our Privacy Officer at [email protected] or call +1 (312) 555-7892.

What Are Cookies?

Cookies are small text files stored on your device when you visit our website. They help us provide a better user experience and analyze website usage.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality and security
• Analytics Cookies: Help us understand how visitors use our website
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Used to deliver relevant advertisements

Cookie Management

You can control cookies through your browser settings. However, disabling certain cookies may affect website functionality.

Third-Party Cookies

We may use third-party services like Google Analytics that set their own cookies. These services have their own privacy policies.

Cookie Retention

Session cookies are deleted when you close your browser. Persistent cookies remain until they expire or you delete them.

Updates to Cookie Policy

We may update this policy periodically. Check this page regularly for changes.

GDPR Rights for EU Residents

Under the General Data Protection Regulation (GDPR), EU residents have specific rights regarding their personal data:

Right to Information

You have the right to know how your personal data is collected, used, and processed.

Right of Access

You can request a copy of all personal data we hold about you.

Right to Rectification

You can request correction of inaccurate or incomplete personal data.

Right to Erasure (Right to be Forgotten)

You can request deletion of your personal data under certain circumstances.

Right to Restrict Processing

You can request that we limit how we use your personal data.

Right to Data Portability

You can request your data in a structured, machine-readable format.

Right to Object

You can object to processing based on legitimate interests or direct marketing.

Legal Basis for Processing

We process your data based on:

• Consent for marketing and non-essential services
• Contract performance for insurance services
• Legal obligation for regulatory compliance
• Legitimate interest for business operations

Data Protection Officer

Contact our DPO at [email protected] for any GDPR-related requests or concerns.

Supervisory Authority

You have the right to lodge a complaint with your local data protection authority if you believe we have violated GDPR.

Digital Millennium Copyright Act Notice

ChefSurety respects intellectual property rights and expects users to do the same.

Reporting Copyright Infringement

If you believe content on our website infringes your copyright, please provide:

• A physical or electronic signature of the copyright owner or authorized agent
• Description of the copyrighted work claimed to be infringed
• Description of where the infringing material is located on our site
• Your contact information (address, telephone, email)
• A statement of good faith belief that the use is not authorized
• A statement that the information is accurate and you are the copyright owner or authorized to act

DMCA Agent

Send DMCA notices to:

DMCA Agent
ChefSurety Professional Insurance
425 North LaSalle Street
Chicago, IL 60654
Email: [email protected]

Counter-Notification

If you believe content was removed in error, you may file a counter-notification with the same contact information.

Repeat Infringers

We may terminate accounts of users who repeatedly infringe copyrights.

Limitation of Liability

This policy is intended to comply with DMCA safe harbor provisions. We are not liable for user-generated content that may infringe copyrights.