Overview
Here at Insurify, Inc. (“Insurify,” “we,” “us,” “our,” or the “company”), we are committed to protecting your privacy. In addition, depending upon where you live, you may have certain data privacy rights provided by law in your local jurisdiction. This Privacy Policy explains all the ways in which we collect “Personal Information” (as defined below) when you visit our Sites and/or use our Services (each as defined in our Terms of Service), interact with us through any of our offline activities, and your rights as a consumer. By accessing our Sites or using our Services, you ("user," “customer,” "your," or "you") agree to the terms of collection and use of information contained in this Privacy Policy.
Our Gramm-Leach-Bliley Act Privacy Notice applies to personal information we collect, use, and share in connection with you seeking, applying for, or obtaining financial (or insurance) products or services from us.
What Information Do We Collect?
When you visit our Sites, register for more information, or use our Services, we may request that you provide Personal Information, and we may also collect some information automatically from your device. Personal information refers to any information that identifies you or can be reasonably linked to you.
Information we collect from you
Identification and contact information: such as your first and last names, title, date of birth, username, password, postal address, email address, telephone numbers, or other contact details information you may provide.
Purchase and order information: billing address, shipping address, together with purchase details (products, quantity, price), methods of payment, and/or any communications we have received about your order or purchase.
Payment information: name, card issuer and card type, credit or debit card number, expiration date, CVV code, financial account information, and/or billing address.
Information you provide about a third party: first and last names, address, and contact details of the recipient of our Services, if different than yours.
Preference information: your account settings including preferred store, contact channel, and the types of services/offers that interest you.
Sensitive personal information: such as your driver's license number, state identification card, precise geolocation (if you permit us to obtain your precise geolocation), and biometric data; combination of email address, financial account, debit card, or credit card with security or access code, password, or other credentials allowing access to your account.
Vehicle and insurance information: information regarding your driving frequency, car make, model, trim, and year; vehicle identification number (VIN), prior insurance information, motor vehicle records, driving history, mileage, usage, garaging address, and/or other information we need in order to provide you with an insurance quote, Proof of Insurance, or for underwriting purposes.
Other voluntary information: any voluntary information (including documents) you may provide us in the course of your interactions with us, such as by sending an email through our Sites and/or to the addresses indicated in our Sites or by calling, emailing, texting, or chatting online with our client service team or by responding to surveys.
Information we collect from third parties
Legal information: fraud checks or flags raised about your transactions, payment card refusals, suspected crimes, complaints, and/or claims.
Social Media Information: if you interact with us through a social media service or log in using social media credentials, depending on your social media settings, we may have access to your information from that social network such as your name, email address, age, gender, and location.
Marketing partners: from time to time, we may receive Personal Information from third-party sources including partners with which we offer co-branded services or engage in joint marketing activities, and search engines.
Identity verification partners: we may receive Personal Information from third-party sources if you link a third-party account for sign-in and/or authentication purposes (e.g., OTPs, IdPs, SSOs, etc.).
Consumer reporting and motor vehicle records partners: information from consumer reporting agencies and state departments, including credit reports, driving records, and claims history with prior insurers. This may involve consumer reports requested by us or our partners (such as insurance carriers) both before and after an application is finalized, as permitted by the Fair Credit Reporting Act (FCRA).
Public sources: information from government agencies, public records (such as the Bureau of Automotive Repair), and other publicly available databases.
Information collected from consumer and/or automatically from consumer’s devices
Internet network and device information: IP address, internet provider, operating system and browser used, domain names of the computers you use to visit our Sites, type of device, such as laptop or smart phone, log files, URIs (Uniform Resource Identifiers) of the resources requested, the time of the request, the method used to submit the request to the server, the size of the file obtained in reply, the numerical status code of the server reply (successful, error, etc.) and other parameters concerning the user's operating system and computer environment, and/or device cookie settings and other device details, such as MAC address.
Information automatically collected from your browser: when you use our Services, some data is automatically transferred from your browser to our server, including through use of cookies, social media, tracking pixels, clear gifs, web beacons, and/or other similar technologies, such as your browser type, operating system type or mobile device model, viewed webpages, links that are clicked, the specific sequences and patterns of your navigation, recorded sessions of your interaction with our Sites and/or Services, the keystrokes typed, movement of the mouse or pointer, IP address, mobile device identifier or other unique identifier, sites or apps visited before coming to our Sites, videos viewed, the amount of time you spend viewing or using the Sites and the pages visited, the number of times you return, or other click-stream or site usage data, and information from emails we send that you open, forward, or click through to our Sites.
Inferences drawn from the information identified above: to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
In order to collect web tracking Information and to make your use of the Services more efficient, we may store cookies on your computer. These cookies will be stored (1) until you close the browser, (2) until you log off the Services, or (3) until they expire. See the “Cookies” section below for details. For more information about cookies generally, please visit www.allaboutcookies.org.
You may be able to modify your browser settings to alter which web tracking technologies are permitted when you use the Services, but this may affect the performance of the Service. Likewise, most mobile devices allow you to disable the ability for geo-location to be collected from your mobile device, but this may also affect the performance of the Services.
How We Use Information We Collect
We will use and store Personal Information for the purpose of delivering the Services and to analyze and enhance the operation of the Services.
We may use Personal Information, as well as non-personally identifiable information, to fulfill your requests for our products, programs and services, to respond to your inquiries about our offerings, and to offer you other products, programs or services that we believe may be of interest to you. We may also use this information to communicate with you.
We use web tracking information to administer the Sites, to understand how well our Sites are working, to store user preferences, to develop statistical information on usage of the Sites, and to analyze the productivity of users of the Sites. This allows us to determine which features visitors like best to help us improve our Sites, to personalize your user experience, and to measure overall effectiveness.
Insurify may serve you targeted advertising. This may include using information about your visits to this and other Sites in order to provide relevant advertisements about goods and services that you may be interested in. We may also employ technology that is used to measure the effectiveness of advertisements. This can be accomplished by using cookies or web beacons to collect information about your visits to this and other sites in order to provide relevant advertisements about goods and services of potential interest to you.
Information We Disclose to Third Parties
We will not disclose your Personal Information to any third parties except as follows:
to third-party contractors engaged to provide services on our behalf ("Contractors"), such as analyzing data and usage of the Services, operating the Services or providing support and maintenance services for the Services, performing marketing support, or providing customer service;
to our affiliates (our corporate parent, subsidiaries, and affiliates);
to insurance carriers and other providers in whose products you express interest;
to provide relevant advertisements about goods and services of potential interest to you;
to analyze the performance of the Services and the behavior of users;
to operate and improve the Services.
Additional Disclosures
We reserve the right to disclose any information we collect in connection with the Services, including Personal Information to any successor to our business as a result of any merger, acquisition, asset sale or similar transaction.
We will also share your information with law enforcement agencies, public authorities or other organizations if legally required to do so, or if we have a good faith belief that such use is reasonably necessary and in our legitimate interests to:
comply with a legal obligation, process or request;
enforce our Terms of Service and other agreements, including investigation of any potential violation thereof;
detect, prevent or otherwise address security, fraud or technical issues; or
protect the rights, property or safety of us, our users, a third party or the public as required permitted by law (i.e., exchanging information with other companies and organizations for the purposes of fraud protection); or
pursuant to a lawful request from law enforcement or a legal authority.
Cookies
What are Cookies
A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. When you visit the site again, the cookie allows that site to recognize your browser. Cookies may store user preferences and other information.
Cookies set by Insurify are called "first-party cookies". Cookies set by parties other than us are called "third-party cookies". Third-party cookies enable third-party features or functionality to be provided on or through the website (e.g., like advertising, interactive content and analytics). The parties that set these third-party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites.
Why We Use Cookies
We use first-party and third-party cookies for several reasons. Some cookies are required for technical reasons in order for our Sites to operate, and we refer to these as "essential" or "strictly necessary" cookies. Other cookies also enable us to track and target the interests of our users to enhance the experience on our Sites. For example, Insurify keeps track of the Sites and pages you visit within Insurify, in order to determine what portion of our Sites is the most popular or most used. This data is used to deliver customized content and promotions within our Sites to customers whose behavior indicates that they are interested in a particular subject area. Third parties serve cookies through our Sites for advertising, analytics and other purposes. This is described in more detail below.
Types Of Cookies We Use and How We Use Them
The specific types of cookies served through our Sites and the purposes they perform include:
Essential website cookies: These cookies are strictly necessary to provide you with services available through our Sites. Because these cookies are strictly necessary to deliver the Sites to you, you cannot refuse them. You can block or delete them by changing your browser settings however, as described below.
Performance and functionality cookies: These cookies are used to enhance the performance and functionality of our Sites but are non-essential to their use. However, without these cookies, certain functionality may become unavailable.
Analytics and customization cookies: These cookies collect information that is used either in aggregate form to help us understand how our Sites is being used or how effective our marketing campaigns are, or to help us customize our Sites for you.
Advertising cookies: These cookies are used to make advertising messages more relevant to you. They perform functions like preventing the same ad from continuously reappearing, ensuring that ads are properly displayed for advertisers, and in some cases selecting advertisements that are based on your interests.
Social networking cookies: These cookies are used to enable you to share pages and content that you find interesting on our Sites through third-party social networking and other websites. These cookies may also be used for advertising purposes too.
How Can You Control Cookies?
You have the right to decide whether to accept or reject cookies. You can exercise your cookie preferences by clicking on the appropriate opt-out links provided below. You can set or amend your web browser controls to accept or refuse cookies. If you choose to reject cookies, you may still use our Sites though your access to some functionality and areas of our Sites may be restricted.
As the means by which you can refuse cookies through your web browser controls vary from browser-to-browser, you should visit your browser's help menu for more information. Most advertising networks also offer you a way to opt out of targeted advertising. If you would like to find out more information, please visit http://www.aboutads.info/choices/ or http://www.youronlinechoices.com. You may opt out by clicking here: http://preferences.truste.com/.
Please note this does not opt you out of being served advertising. You will continue to receive generic advertisements.
Opt-Out Preference Signals: Our Sites recognize and honor Global Privacy Control (GPC) as an additional way residents of certain states to submit a request to opt out of the sale and sharing of your personal information through browsers and/or browser extensions that support such a signal. Our Sites will honor GPCs for residents of California, Colorado, Connecticut, Delaware, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, and Texas. For residents of other states, you can opt out of the use of third-party cookies for personalized advertising by setting the cookie preferences on our Sites or on your browser.
Other Tracking Technologies, Like Web Beacons
Cookies are not the only way to recognize or track visitors to a website. We employ a software technology called clear gifs (a.k.a. Tracking Pixels/Web Beacons/Web Bugs), that help us better manage the Sites and Subscription Service by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user's computer hard drive, clear gifs are embedded invisibly on Web pages or in emails and are about the size of the period at the end of this sentence. We use clear gifs or pixels in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. We tie the information gathered by clear gifs in emails to our customers' Personal Information.
State-Specific Consumer Privacy Rights
If you are a resident of California, Colorado, Connecticut, Delaware, Iowa, Indiana, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia, the law in your state may provide you with certain rights with respect to your personal information. You may be able to:
Request that we delete your Personal Information ("Request to Delete").
Request that we correct inaccuracies in your Personal Information, taking into account the nature of the Personal Information and the purposes of the processing (“Request to Correct”).
Opt-out of the selling or sharing of your Personal Information, the processing of your Personal Information for purposes of targeted advertising, and/or profiling in furtherance of decisions that produce legal or similarly significant effects ("Request to Opt-Out"), which you can exercise through our cookie preferences, the contact form available on our Sites, or by modifying your privacy preferences (e.g., Global Privacy Control), available through certain internet browsers and extensions, that signal your preference to opt out. Please note that clearing your cookies at any time will remove the signal of your selected privacy preferences.
Request that we limit the use of your Sensitive Personal Information (“Request to Limit Use of Sensitive Personal Information”).
Request a copy of Personal Information we have obtained about you in a portable and, to the extent technically feasible, readily usable format (“Request to Obtain Information”).
Appeal our decision, if we deny your request (“Request to Appeal”).
Request information about our collection, use, and sharing of your information (a "Request to Know"), including:
the categories and specific pieces of Personal Information we have collected about you;
the categories of sources from which we have collected your Personal Information;
the business or commercial purpose for collecting, sharing, and/or selling your Personal Information;
the categories of their Personal Information that we have sold and/or shared; and
the categories of third parties to whom we have disclosed your Personal Information, and which categories of Personal Information we have sold to which categories of third parties.
In addition, and as set forth below, California law requires us to identify, for the 12-month period prior to the date of this Privacy Policy, what information we may have “sold” or “shared” about you. For the 12-month period prior to the date of this Privacy Policy, Insurify has not sold any Personal Information about its customers or business contacts. For the 12-month period prior to the date of this Privacy Policy, Insurify has only shared Personal Information about its customers as described above. Insurify does not share the Personal Information of its business contacts. Insurify does not use or disclose Sensitive Personal Information, as defined in applicable laws, for any purposes other than those permitted by applicable law.
Submitting Your Requests
To submit any of the above requests, you may contact us by email at [email protected] or by toll-free number at (855) 206-0522, or you could fill out the form on our Sites.
When you exercise these rights and submit a request to us, we will verify your identity. If Insurify is unable to verify your identity, Insurify will respond by explaining why it cannot verify your identity. We also may use a third-party verification provider to verify your identity. If Insurify is able to verify your identity, we will respond to your request by (a) honoring your request; or (b) where applicable, explaining why we are not required to honor your request. Insurify may choose to delete Personal Information by de-identifying, aggregating, or completely erasing the information. Please note that we are only required to honor requests to know twice in a 12-month period. We will not discriminate against users for exercising these rights. If a request or series of requests are manifestly unfounded or excessive, we may charge a reasonable fee for processing the request(s) or may refuse to process the request(s).
Authorized Agents
You may submit your request through an authorized agent. Unless the agent provides Insurify with a valid power of attorney, Insurify may require the resident to verify their identity with Insurify and/or to provide Insurify with written confirmation of the agent's authority to make the request.
California Shine the Light
This Privacy Policy describes how we may share your information for marketing purposes, as described above. If you are a California resident, the Shine the Light law permits you to request and obtain from us once per calendar year information about any of your Personal Information shared with third parties for their own direct marketing purposes, including the categories of information and the names and addresses of those businesses with which we have shared such information. To request this information and for any other questions about our privacy practices and compliance with California law, please contact us through the contact form on our Sites.
Notice of Financial Incentive for Participation in Marketing & Research
In addition to our standard information collection practices, we may offer customers the opportunity to participate in limited-time promotions, such as marketing surveys, brand engagement activities, or referral programs. In exchange for participating in these promotions and providing us with your Personal Information, we may offer you nominal incentives, such as prizes or gifts. We may collect personal information such as your name, email address, preferences, experiences, and engagement with Insurify (“Customer Data”). We estimate that the value of the Customer Data is the value of the benefit we may offer to you in connection with these promotions, which is reasonably related to the costs associated with offering such benefits. These promotions are offered to encourage brand engagement and are not contingent upon the purchase of insurance, the receipt of an insurance quote, or the submission of an insurance application, in accordance with applicable laws. You can terminate participation at any time as explained in the applicable promotion terms.
Please note, however, that while participation in promotions is voluntary, certain Personal Information is essential for us to provide our core Services. For example, we cannot provide you with an insurance quote without first collecting some Personal Information about you. In such instances, your refusal to provide the necessary Personal Information will result in the inability to use the Services. Promotional incentives are not provided for the submission of information required solely for an insurance quote or application.
Record Retention
We will retain your Personal Information for as long as needed or permitted in light of the purposes for which it was obtained. The criteria used to determine our retention periods include: (a) the length of time we have an ongoing relationship with our users and provide services, (b) whether there is a legal obligation to which we are subject, and (c) whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation or regulatory investigations).
Security
We have put in place appropriate physical, electronic, and managerial procedures and security precautions to protect the security and integrity of your Personal Information in accordance with this policy and applicable law. However, no Internet transmission is completely secure, and we cannot guarantee that security breaches will not occur.
Amendments
Insurify may modify or amend this policy from time to time. If we make any changes in the way in which Personal Information is collected, used, or disclosed, we will notify you of these changes by modification of this Privacy Policy, which will be available for review by you at the Sites.
Children
Insurify does not knowingly collect or maintain personally identifiable information about persons under 16 years of age, and no part of the Services are directed at persons under 16. If you are under 16 years of age, then please do not use the Services. We do not have actual knowledge about selling or sharing personal information of consumers under the age of 16. If Insurify learns that personally identifiable information of persons less than 13 years of age has been collected without verifiable parental consent, then Insurify will take the appropriate steps to delete this information. To make such a request, or if you have any questions or concerns about the Privacy Policy for the Sites or its implementation, please contact us at: [email protected].
Visitors From Outside the United States
Insurify and its servers are located in the United States and are subject to the applicable state and federal laws of the United States. Those who choose to access the Services do so on their own initiative and at their own risk and are responsible for complying with all local laws, rules, and regulations. We may limit the Services’ availability, in whole or in part, to any person, geographic area, or jurisdiction we choose, at any time and in our sole discretion. We do not represent or warrant that the Services, or any part thereof, are appropriate or available for use in any other jurisdiction. If you choose to access or use the Services, you consent to the use and disclosure of information in accordance with this privacy policy and subject to such laws.
Accessibility / Questions
Any person with a disability that prevents or restricts them from accessing this Privacy Policy through the Apps or through our Sites may request a copy of the Privacy Policy in an alternative format by contacting Insurify at: [email protected] or (855) 206-0522. If you have questions about this Privacy Policy, you may reach out to us at the same email address and phone number.
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Insurify StaffInsurance Writers