Last updated: October 11, 2021
    In common with other websites, log files are stored on the web server saving details such as the visitor’s IP address, browser type, referring page and time of visit. Cookies may be used to remember visitor preferences when interacting with the website. Where registration is required, the visitor’s email and a username will be stored on the server.

How the Information is used:
    The information is used to enhance the visitor’s experience when using the website to display personalized content and possibly advertising. E-mail addresses will not be sold, rented or leased to 3rd parties. E-mail may be sent to inform you of news of our services or offers by us or our affiliates.

Visitor Options:
    If you have subscribed to one of our services, you may unsubscribe by following the instructions which are included in e-mail that you receive. You may be able to block cookies via your browser settings but this may prevent you from access to certain features of the website.

    No individual who is not so authorized shall obtain or seek to obtain personal and financial customer
information. No individual with authorization to access personal and financial customer information shall share that information in any manner without the specific consent of a firm principal. Failure to observe Crossway Financial & Insurance Services, Inc. procedures regarding customer and consumer privacy will result in discipline and may lead to termination.

Sharing Nonpublic Personal and Financial Information:
     Crossway Financial & Insurance Services, Inc. DBA Crossway FIS is committed to the protection and privacy of its customers’ and consumers’ personal and financial information. Virtue Capital Management.
We will not share such information with any affiliated or nonaffiliated third party except:

• When necessary to complete a transaction in a customer account, such as with the clearing firm or account custodians.
• When required to maintain or service a customer account.
• To resolve customer disputes or inquiries.
• With persons acting in a fiduciary or representative capacity on behalf of the customer.
• With rating agencies, persons assessing compliance with industry standards, or to the attorneys,
  accountants and auditors of the firm.
• In connection with a sale or merger of Virtue Capital Management, LLC (VCM)’s business.
• To protect against or prevent actual or potential fraud, identity theft, unauthorized transactions,
  claims or other liability.
• To comply with federal, state or local laws, rules and other applicable legal requirements.
• In connection with a written agreement to provide investment management or advisory services when the information is released for the sole purpose of providing the products or services covered by the agreement.
• In any circumstances with the customer’s instruction or consent.

Authorization of Use:
    Crossway Financial & Insurance Services, Inc. hereby authorizes any person to access this Website for informational purposes only. Crossway Financial & Insurance Services, Inc. reserves the right to terminate access to this Website at any time without notice. The data, information and material included in this Website is copyrighted by Crossway Financial & Insurance Services, Inc. All rights are reserved under the copyright laws of the United States of America. No part of this Website can be redistributed, copied or reproduced without the prior written consent of Crossway Financial & Insurance Services.

No Warranties:
     The user of this Website assumes all responsibility and risk for the use of this Website and the Internet generally. Crossway Financial & Insurance Services, Inc. and its affiliated companies disclaim all warranties, representations or endorsements, expressed or implied, with regard to the data, information and material included in, or accessible from, this Website or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or noninfringement. Crossway Financial & Insurance Services, Inc. and its affiliated companies have the right to discontinue, change or update any data, information or material included in the Website without prior notice, and they do not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this Website. No advice or information given by Crossway Financial & Insurance Services, Inc. or its affiliated companies shall create any warranty. Neither Crossway Financial & Insurance Services, Inc. nor its affiliated companies warrants that the data, information and material included in the Website or on the Internet will be uninterruptible or error free or that any data, information, software or other material accessible from this Website is free of viruses or other harmful components. Several of our pages describe various insurance products. The availability of a specific product may differ from state to state. The product descriptions are general in nature and the insurance coverages are subject to the specific terms of the actual policies issued. If you are interested in the terms and conditions of a specific product, please contact us for additional information.

Disclaimer of Liability:
    In no event shall Crossway Financial & Insurance Services, Inc. or its affiliated companies be liable for any compensatory, special, direct, incidental, indirect, or consequential damages, exemplary damages or any damages whatsoever resulting from loss of use, data, information or profits arising out of or in connection with the use or performance of the data, information or material included in this Website or on the Internet generally or on any other basis.

Disclaimer for Links:
    Although this site includes links providing direct access to other Internet sites, Crossway Financial & Insurance Services, Inc. and its affiliated companies take no responsibility for the content or information contained on those other sites, and does not exert any editorial or other control over those other sites.

Electronic Communications:
    Crossway Financial & Insurance Services, Inc. will not be deemed to have accepted any electronic communication unless Crossway Financial & Insurance Services, Inc. provides the sender of the electronic communication with an acknowledgment verifying receipt of the communication. If Crossway Financial & Insurance Services, Inc. sends any electronic communication, Crossway Financial & Insurance Services, Inc. will assume the communication was received intact by the intended recipient. The recipient of such message must notify Crossway Financial & Insurance Services, Inc. if the transmission was not received or was not received in a readable format.

Security:
    Despite the security measures taken by Crossway Financial & Insurance Services, Inc. there is an inherent risk in disclosing personal information over the Internet. Anyone electronically transmitting personal information assumes the risk that such information may be disclosed or intercepted by unintended third parties and Crossway Financial & Insurance Services, Inc. disclaims all liability resulting from such interception or disclosure. Anyone who wishes to apply for an insurance quote who is concerned about maintaining the security of their personal information may mail the information to Crossway Financial & Insurance Services, Inc.

Privacy Statement:
     Crossway Financial & Insurance Services, Inc. is committed to protecting your privacy as a visitor to this Website and as our customer. To our visitors and to our customers, we offer this pledge:
Crossway Financial & Insurance Services, Inc. is the owner of the information, which is collected on this Website. We will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

Information Collection:
We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this Website or when you complete a web form requesting personal identifiable information. When you enroll for an insurance policy at Crossway Financial & Insurance Services, Inc. we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of Crossway Financial & Insurance Services, Inc. so we can provide you with policyholder service. The employees of Crossway Financial & Insurance Services, Inc. are each required to sign and acknowledge a Confidentiality and Nondisclosure Agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer's personal information.

    When you purchase an insurance policy from Crossway Financial & Insurance Services, Inc. you will pay the premiums with your credit card or personal check. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your Binder of Insurance. You may use this transaction number as a reference to the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your personal check, we will keep a copy of your check in your file.

When you send us e-mail from this Website or complete forms on this Website, you will provide us with certain personally identifiable information including your e-mail address. We may share this information with third parties who provide us services in the normal course of business including, but not limited to, insurance carriers and their affiliates.

Cookies:
     We transmit non-personally identifiable information to third party service providers (e.g., Google) that collect website statistics. We may also transmit non-personally identifiable information to third party service providers that may use such information during your visits to this and other websites in order to provide advertisements about goods and services likely to be of greater interest to you.

One method of collecting such information is through the use of cookies. A cookie is a piece of data that is stored on a visitor's hard drive while they are visiting this Website. We may utilize a short-lived form of cookie when you visit this site. At Crossway Financial & Insurance Services, Inc. a cookie is only used to identify one unique visitor from another visitor during a particular session. A session is the period of active site-use while that unique visitor is linked to our server.

    Use of cookies helps us to improve our Website and to deliver a better and more personalized service by enabling us to: estimate our audience size and usage patterns; store information about your preferences allowing us to customize our Site according to your individual interests; speed up your searches; and recognize you when you return to our Website. You may refuse to accept cookies by activating the appropriate setting on your browser. However, if you activate such a setting, you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.

The cookie expires and is deleted from the visitor's computer as soon as they close their browser or if they are not actively browsing our Website for more than 20 minutes. Should a previous visitor to our Website return for a new session, they will be issued a new cookie and in no way will they be recognized as a visitor from a previous visit or session.

Third-Party Links:
    This Website may contain links to third-party Websites that are not controlled by Crossway Financial & Insurance Services, Inc. These third-party links are made available to you as a convenience and you agree to use these links at your own risk.

    Please be aware that Crossway Financial & Insurance Services, Inc. is not responsible for the content of third-party Websites linked to Crossway Financial & Insurance Services, Inc. nor are we responsible for the privacy policy or practices of third-party Websites linked to Crossway Financial & Insurance Services, Inc.

    Our Privacy Policy only applies to information we collect from you while you are actively in a connection with Crossway Financial & Insurance Services, Inc. If you should link to a third-party Website from Crossway Financial & Insurance Services, Inc. we strongly encourage you to review and become familiar with that Website's privacy policy.

Copyright:
     Crossway Financial & Insurance Services, Inc. logo, and other marks, including the names of various products and services described within and offered by companies represented by Crossway Financial & Insurance Services, Inc. and its subsidiaries are service marks of these companies.

    Permission to use, copy and distribute these materials without fee is hereby granted, for non-commercial purposes, provided that the material is unaltered and Crossway Financial & Insurance Services, Inc. copyright notice appears in all copies.

    Use of this site shall be governed by and construed in accordance with the laws of our state of business, without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in our state of business.

    Should any provision of our terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Changes To This Privacy Policy
     We may update our Privacy Policy from time to time so we reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes. We will notify you of any changes by posting the new Privacy Policy on this page.

    You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us
If you have any questions about this Privacy Policy, please contact us.