This Policy describes the type of information we may collect from you or that you may provide when you visit the websites www.insureon.com and www.techinsurance.com (collectively, the "Website") and our practices for collecting, using, maintaining, protecting, and disclosing that information.
This policy applies to information we may collect:
- On this Website.
- In email, text, and other electronic messages between you and this Website.
- Through mobile and desktop applications you download from this Website, which provides dedicated non-browser-based interaction between you and this Website.
- When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
- And any other sources.
Our Website is not intended for visitors who are under eighteen (18) years of age. No one under age eighteen (18) may provide any information to or on the Website. We do not knowingly collect personal information from children under eighteen (18). If you are under eighteen (18), do not use or provide any information on this Website or through any of its features, register on the Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use.
1. Information we collect about you and how we collect it
We collect several types of information from and about users of our Website, including information:
- That may allow you to be personally identified, such as name, postal address, email address, telephone number, and social security number ("personal information");
- Relates to your business, such as the number of employees that work at your company, your company's average income, and your company's Federal Employer ID Number (FEIN);
- Payment account information, such as your credit card number, security code, and expiration date, your bank routing number and bank account number, if you elect to purchase products or services (the "Service") through the Website;
- That is about you but individually does not identify you, such as automatically recorded times and dates of visit to the Website; and/or
- About your internet connection, the equipment you use to access our Website, and usage details.
We collect this information:
- Directly from you when you provide it to us when you access or use the Service, use the "chat" feature to communicate with one of our service representatives, submit a request for an insurance quote or application for insurance, or otherwise submit a request for information about the products or services that we offer;
- Automatically as you navigate through the site. Information collected automatically may include usage details, unique IDs, IP addresses, and information collected through cookies, web beacons, and other tracking technologies; and
- From third parties, for example, our business partners.
2. Information we collect through automatic data collection techniques
As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:
- Details of your visits to our Website, including the pages you visit within the Website, the date and time of your visit, the amount of time you spend using the Website, location data, logs, and other communication data and the resources that you access and use on the Website.
- Information about your computer and internet connection, including your IP address, operating system, and browser type.
We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). Click here for information on how you can opt out of behavioral tracking on this website and how we respond to web browser signals and other mechanisms that enable consumers to exercise choice about behavioral tracking.
The information we collect automatically is only statistical data and does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:
- Estimate our audience size and usage patterns.
- Store information about your preferences, allowing us to customize our Website according to your individual interests.
- Speed up your searches.
- Recognize you when you return to our Website.
The technologies we use for this automatic data collection may include:
- Web beacons. Pages of our the Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
We do not control these third parties' tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see "Choices about how we use and disclose your information".
4. How we use your information
We use information that we collect about you or that you provide to us, including any personal information:
- To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders or process returns.
- To create, maintain, customize, and secure your account with us.
- To tell you about our service updates.
- To process your requests, purchases, transactions, and payments and prevent transactional fraud.
- To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
- To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third-party sites, and via email or text message (with your consent, where required by law).
- To notify you about changes to our Website or any products or services we offer or provide though it.
- To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.
- For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.
- To fulfill any other purpose for which you provide it.
- To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- To keep a record of our transactions and communications with you; and provide you with other services requested by you as described when we collect the information.
- In combination with the information of other users so that we can generally assess users' preferences or to otherwise improve the service.
- In any other way we may describe when you provide the information.
- For any other purpose with your consent.
5. How we disclose your information
We may sell your information to third parties after obtaining your consent. We may also exchange your information with third-party partners without first obtaining your express consent. We may also share your information with the following third parties:
- To fulfill the purpose for which you provide it: If you request an insurance quote through the Service, or otherwise use the Service to purchase insurance coverage, we may share the information you provide through the Service with insurance companies. We will only share your information with insurance companies as necessary to provide you with the products or services you have requested through the Service. If you elect to proceed with purchasing insurance from a particular insurance company, that insurance company may seek additional information about you, including by contacting you directly by email, postal mail or telephone or running a credit check on you. We will obtain your prior consent if an insurance company intends to conduct a credit check on you. Insurance companies are only permitted to contact you directly in order to provide you with the products or services you have requested through the Service.
- Third-party marketing partners: We may, from time to time, share your name, email address and postal mailing address with a few carefully selected third-party marketing partners that we believe offer products or services that may be of interest to you. We contractually require these third parties to keep personal information confidential and use it only for the purposes for which we disclose it to them.
- Our service providers: We may share your information with contractors, service providers, and other third parties who provide certain services to us or on our behalf, such as operating and supporting the Service. These service providers will only have access to the information needed to perform these limited functions on our behalf and are required to provide your information with at least the same level of protection and security as we use with regard to your information and use your information only for the purposes for which we disclose it to them.
- Companies that acquire our business or assets: If our company or our assets are acquired by, transferred to or merged with another company, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, that company may acquire the information about you collected by us. We will require the applicable company to assume the rights and obligations that are applicable to your information at the time of the acquisition, transfer or merger.
- For any other purpose disclosed by us when you provide the information
- With your consent.
We may also disclose your personal information:
- To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
- If we believe disclosure is necessary or appropriate to protect the right, property, or safety of us, our customers, or others. This may include exchanging information with other companies and organizations for the purposes of fraud protection and credit risk protection.
6. Choices about how we use and disclose your information
We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:
- Disclosure of your information for third-party advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you may opt out by emailing us at [email protected] or calling us at (800) 688-1984.
- Promotional offers from the Company. If you do not wish to have your contact information used by the Company to promote our own or third parties' products or services, you can opt-out by either following the link provided in the applicable email communication or contacting us at [email protected].
We do not control third parties' collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website.
California residents may have additional personal information rights and choices. Please see your California Privacy Rights for more information.
Nevada residents who wish to exercise their sale opt-out rights under Nevada Revised Statutes Chapter 603A may submit a request to this designated address: [email protected] or by telephone at (800) 688-1984.
7. How to access or correct your information
If you create an account through the Service, you can access, review and change the information that you provide through the account profile page. You may also send us an email at [email protected] or call us at (800) 688-1984 to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect. California residents may have additional personal information rights and choices. Please see your California Privacy Rights for more information.
8. Your California privacy rights
If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To exercise the right to opt out of personal information sales, you (or your authorized representative) may submit a request to us by emailing us at [email protected] or calling us at (877) 907-5267.
9. Use of information outside your country of residence
10. Our security procedures
We have implemented technical and administrative security measures to protect your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. To guard against unauthorized disclosure of your information, information that is passed between your browser and us is encrypted with the Secure Sockets Layer (SSL) system. We also use industry-standard practices such as encrypted storage, firewalls and password protection systems to safeguard the confidentiality of your information. Each of our employees who has access to your information is aware of our security policies, and your information is only available to those employees who need it to perform their jobs.
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the absolute security of your information. Any transmission of personal information is at your own risk. We assume no responsibility or liability if any information relating to you is intercepted and/or used by an unintended recipient.
11. How we retain your information
12. How we notify you of changes to our policy
13. How you can contact us
Last modified: 3/19/20