Your information privacy is extremely important to us. Insurance 360 LLC, and its affiliates (“we,” “our,” “us,” or “Insurance 360”) have prepared this Privacy Policy to explain the types of information we may collect and how we collect, share, use, and protect your information when you visit or use this website (the “Site”) and other online services (collectively, our “Services”). This Privacy Policy also explains your choices for managing your information preferences, including opting out of certain uses of your personal information.
This Privacy Policy covers how we collect, use, share, and process personal and other information and data of users of our Services. To the extent that we provide you with notice through our Services of different or additional privacy policies or practices (e.g., at the point of collection), those additional privacy policies shall govern such data collection and use.
This Privacy Policy applies to all users of the Site and Services. By using the Site and Services, you consent to this Privacy Policy. Please read it carefully.
We want you to understand the type of information we collect and how we use it. The types of personal information we collect from you when you visit or use our online services include contact information such as your first and last name, mailing address, email address, or telephone number. We may also collect financial information including your bank account information, payment card information, credit card information, or check information. We do not seek to collect or process sensitive personal information unless it is required or permitted by law; necessary for the detection or prevention of crime; necessary to establish, exercise or defend legal rights; or we have your prior explicit consent.
In addition to the personal information described above, we collect certain information about your use of our online services. For example, we capture identifying information that may include your IP address, agent string, user string, your browsing and click history, including information about how you navigate within our Services and which elements of our Services you use the most. In some instances, we also collect commercial information related to property that is either being insured or considered to be insured, including valuables and real estate, or records of insurance policies purchased, obtained or considered.
We sometimes collect information about you from photos that you provide to us. We may also draw inferences from the categories described above to create a profile about you to reflect your preferences, characteristics, behavior, and attitude. We may combine this information with the personal and other information we have collected about you under this Privacy Policy.
Where we are required to establish a legal basis to process your personal information as described in this Privacy Policy, we will do so on the basis that we use and otherwise process the information we collect from you to help us deliver our online services; for transactional purposes to determine what policies are best for you, update your policy, and provide insurance and risk-management related services to you; to analyze preferences, trends, and statistics; to inform you of our new products, services, opportunities, and offers; provide you with other information from and about Insurance 360, including personalized marketing communications; to provide and maintain functionality on our websites; handle your customer services requests; check website performance, both from a functionality standpoint, and effectiveness of attracting and retaining customer engagement; help us diagnose technical and service problems and administer our websites; and to protect the website, our company, and others, and for fraud detection, theft prevention, and legal compliance.
We and our third-party partners use cookies (as well as web beacons or other technologies) to collect and store internet or other electronic activity passively and other information about your visit to, or use of, our online services. We may later associate the usage and other information we collect online with personal information about you, as permitted or required by law.
We share personal information with affiliates and with others when we believe it will enhance the services and products we can provide to you or for legal and routine business reasons. We share personal information among our affiliates and business units when we believe it will enhance the services we can provide, but only where permitted by law, any applicable confidentiality agreements, and our policies and practices. Additionally, we reserve the right to share your personal information in connection with a corporate change including a merger, acquisition or sale of all or any relevant portion of our business or assets.
We disclose information we have about you as required or permitted by law. For example, we share information with regulatory authorities and law enforcement officials when we believe in good faith that such disclosure is necessary to comply with legal requirements.
We share information with third parties where appropriate to protect against fraud or verify or enforce our terms of use, our other rights, or other applicable policies.
From time to time, we enter into agreements with other companies to provide services to us, or to make services and products available to you. including for purposes of payment processing, data hosting and processing, website development, and data analytics. We call them our Service Providers. We provide our Service Providers with the information needed for them to perform these services. We also ask our Service Providers to confirm that their privacy practices are consistent with ours.
We use personal information for various purposes, such as to provide you with the Site and Services, including to improve the Site and Services, to notify you of new products or services, and to otherwise communicate with you about our company. We may also use your personal information to provide more relevant search results from the search functions of the Site and the Services.
We use tracking technologies to help us provide better services to you. When you interact with us through any of your devices, we use cookies (a small text file placed on your computer to identify your computer and web browser) and may use anonymous identifiers (a random string of characters that is used for the same purposes as a cookie). We use cookies and other anonymous identifiers to analyze use of and improve the Site and Services. Most web browsers are initially set up to accept cookies. You can reset your web browser to refuse all cookies or to indicate when a cookie is being sent, but certain features of the Site or Services may not work if you delete or disable cookies. Some of our Service Providers may use their own cookies, anonymous identifiers, or other tracking technology in connection with the services they perform on our behalf.
We use Google Analytics on the Site and Services to collect Usage Data, to analyze how users use the Site and Services, and to provide advertisements to you on other websites. For more information about how to opt out of having your information used by Google Analytics, visit https://tools.google.com/dlpage/gaoptout/.
By using the Site or the Services, you may make certain of your personal information available to others. For example, when you post a review on the Site, other users may see your name (first name and last name initial), the city you live in, and other information that you choose to make available to others.
We strive to protect the privacy, confidentiality, and security of your information, including personal information. We maintain physical, electronic, and procedural safeguards that comply with applicable legal standards to protect your information from unauthorized access and use, accidental or unlawful alteration and destruction, and other unlawful or unauthorized forms of processing. No data transmission over the Internet is 100% secure. We cannot guarantee the security of any information you transmit on or through the Site or Services, and you do so at your own risk. We hold our employees accountable for complying with relevant policies, procedures, rules, and regulations concerning the privacy, confidentiality, and security of your information.
Our Site and Services may contain links to other websites or allow others to send you links. A link to a third party’s website does not mean that we endorse it or that we are affiliated with it. We do not exercise control over third-party websites. You access third-party websites or content at your own risk. You should always read the privacy policy of a third-party website before providing any information to the website.
If you are a California resident, you have certain privacy rights under the California Consumer Privacy Act (“CCPA”). Please refer to our CCPA Privacy Policy https://insurance-360.co/ccpa for information about your rights under the CCPA.
We may from time to time elect to share certain information about you collected by us on the Site with third-parties for those third-parties’ direct marketing purposes. California Civil Code Section 1798.83 permits California residents who have supplied personal information as defined in the statute, to, under certain circumstances, request and obtain certain information regarding our disclosure, if any, of personal information to third-parties for their direct marketing purposes. If this applies, you may obtain the categories of personal information shared and the names and addresses of all third parties that received personal information for their direct marketing purposes during the immediately prior calendar year (e.g., requests made in 2019 will receive information about 2018 sharing activities) or to request to opt-out of such future sharing. To make such a request, please provide sufficient information for us to determine if this applies to you, attest to the fact that you are a California resident and provide a current California address for our response. You may make this request in writing at: legal@insurance-360.co.
If you are from a non-U.S. country, please be aware that the personal information you submit, including information provided through our Site and Services, is being sent to a location in the United States. The data protection laws in the United States are likely different from those of the country in which you are located, and your personal information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By providing such personal information through the Site and Services, you are consenting to (and represent that you have authority to consent to) the transfer of such information to the United States for the uses and purposes described in this Privacy Policy.
The Site and Services are intended for general audiences, and we do not knowingly seek or collect personal information from children under the age of 18. In accordance with the Child Online Privacy Protection Act, in the event that we learn that we have collected personal information from a child under the age
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