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Information We Collect
In order to use our products and services on our website and in order to receive accurate information, it’s necessary for you to provide a minimum amount of personal information to us. When you apply for a policy through our site, we collect personal information relating to the primary applicant and all the additional insureds necessary to provide a quote on insurance.
We may also periodically obtain both personal and non-personal information about you from business partners, contractors and other third parties.
We also gather anonymous information about your use of our website for internal purposes. Anonymous information is any information that does not personally identify you, including demographic information such as the number of visitors to our website from a particular state.
When your computer accesses our website it is assigned a “Cookie” (a small package of code) to speed up your quote request and your application. Cookies allow sites to customize themselves to the user. It also allows us to follow how many people are using the site and to make changes that help the site improve over time. Most browsers offer instructions on how to reset the browser to reject Cookies in the "Help" section of the toolbar. Turning off cookies for our website will affect certain functions and conveniences but you do not have to accept our Cookies in order to productively use our site.
We may also use a web beacon. A web beacon is an often-transparent graphic image, usually no larger than a 1x1 pixel that is placed on a web page or in an email that is used to monitor the behavior of the user visiting the Website or receiving the email.
How We Use Your Information
We create aggregate data about visitors to our website for product development and improvement activities. We also use it for market analysis. We may provide information from our website in aggregate form, with identifying information removed, to third parties. For example, we might inform third parties regarding the number of users of our website and the activities they conduct while on our website.
The personal information collected on our website will be used to provide the services you have requested or authorized. For example, we may use your personal information to provide you with a quote or get in touch with you when necessary to process your application. We may also send you emails throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application.
There will be instances in which we will provide you with information or offers from our business partners we believe you may find helpful. If you don’t wish to receive information or those offers from us, simply make a request by email. (Links to email form, pre-addressed to email@example.com)
When you decide to purchase a plan from a carrier through our website, we will share your application and personal information with the carrier that offers the plan in order to fulfill your request. When you are interacting with those carriers, different rules and privacy policies may apply. Unsubscribing from communications from our website does not guarantee that you will no longer receive communications from these carriers; you must contact that third party directly.
Other than using the information you provide to deliver a quote or submit an application to a carrier you have selected, we will never sell, trade or give away your personal information to any other entity.
Marketing and Advertising
We may customize the advertisements that are displayed to you on our website based upon: (i) the information that you knowingly provide us (e.g., age, gender, stated health interests and other information in your profile); (ii) geographic location which we determine through your IP address; (iii) data we receive from third parties or (iv) your behavior on our website or other third party websites.
Protection of your Information
While we take all reasonable precautions, due to the open nature of the Internet, we cannot guarantee that any information stored on our servers, or transmitted to or from a user, will be free from unauthorized access and we disclaim any liability for any theft or loss of, unauthorized access or damage to, or interception of any data or communications. By using our website or our services, you acknowledge that you understand and agree to assume these risks.
The information you provide is securely stored and transmitted to the carrier you have selected via encryption technology known in the industry as secure socket layer (SSL). Furthermore, we take reasonable efforts to protect this data against unauthorized access. We store the data with 128 bit encryption on our servers.
Third Party Contractors
Other Service Providers and outside links.
Our website contains links to other sites. When you enter another website know that we have no control over, nor are we responsible for, the privacy practices of these other sites. It’s good personal privacy practice to review the privacy statements of each and every Web site that you visit.
Our website and our services are not directed or intended for children under 13 years of age. We do not knowingly collect personal information from individuals under 13 years of age. If you are under 13 years of age, you should not register or provide personal information on our website.
Effective Date: July 29, 2010