Last Updated: March 15, 2023
Please also review the Terms and Conditions that govern your use of our Services.
1. Information we collect
What types of information we gather and share depends on the product or Services you have with us. This information include:
- Your name, contact information;
- Your login information when you log into our platform;
- Business ownership information, including profit sharing and ownership interests;
- Your payment history and claims information.
If you use our website, we may also collect information about the browser you are using. This information include:
We may supplement the information we collect about you with data from third-parties. This information may include:
- Information from other sources such as financial records, employment history, medical records or other third-party data; and
- Information from other reporting agencies, state and federal government agencies, such as state motor vehicle departments and credit reporting agencies.
2. What are our sources of personal information?
We collect personal information about you from a number of sources:
We collect your contact information, registration/account information, payment information, and any other personal information when you provide it to us on the Services. When you make a purchase on the Services, we also retain a record of your purchases and order history.
From Your Device
You do not need to allow cookies to visit most of the websites. However, enabling cookies may allow for a more tailored browsing experience and is required for certain parts of the website to work.
What are cookies and other tracking technologies?
Web beacons, pixel tags, and other tracking technologies are small strings of code placed on a web page or in an e-mail or advertisement. These technologies allow your browser to recognize and store certain types of information such as cookies previously set, the time and date that you viewed the page with the beacon, and a description of that page.
Some cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website (“Strictly Necessary Cookies”).
In some cases, the advertisers that serve ads on our Services will share your e-mail or online identifiers with us so that we can make sure their advertisements or offers reach you.
We work with third-party data partners that share personal information with us, including internet activity information, purchasing information, and interests, preferences, and other behavioral data, which help us understand you better and ensure the content and services we offer are relevant and compelling.
From service providers
We work with service providers that collect personal information on our behalf in order to provide services to us, such as hosting our websites, processing our credit card transactions, and other activities needed to help us provide our content and services to you. We only allow our service providers to use your personal information in connection with the services they provide us.
3. How do we use the information we collect?
We use the information we collect to provide, maintain, protect, optimize and improve our Services, and to enhance your user experience. We may also use the information we collect in the following ways:
Regular Business Purposes
We use the information you provide to update account(s), process or service requested or authorized transactions, secure quotations for insurance, obtain insurance coverage or report or process claims.
For Our Analytic Purposes
We may use your information to develop new Services, conduct research and to create anonymous or aggregated reporting for its own use.
For Our Marketing Purposes
We may use your information to offer products or Services to you.
For Compliance with Legal Requirements
It may be necessary to provide information collected from you to respond to subpoenas, other discovery requests, legal investigations or court orders. We may share information pursuant to a government agency or investigatory body request.
4. How is your information shared?
We do not share, sell, rent or otherwise distribute your personal information except:
With our service providers and business partners
We may share your personal information with other companies and individuals to perform functions or services for us or on our behalf, such as hosting this site, sending email messages, and making phone calls. These parties are contractually restricted from using any personal information for purposes other than providing services for us or on our behalf.
With other business partners
We disclose personal information, as necessary, in providing our products and services. In order to sell, solicit, and negotiate insurance, we may disclose your information to insurers, reinsurers, insurance intermediaries, brokers, underwriters, insurance reference bureaus, medical service providers, fraud detection agencies, our advisers, loss adjusters, lawyers, accountants, and others involved in the claims handling process.
Under certain circumstances we may remain liable for the acts of third parties who perform services on our behalf for their handling of personal information that we transfer to them.
For administrative and legal reasons
We may share your personal information with our service providers and business partners as described above. Also, we reserve the right to disclose or use information if we have a good faith belief that this is necessary to (a) protect and defend our rights, property, or liability or rights, property, or liability of our affiliates, other users of this platform, or the public; (b) enforce the Terms and Conditions; (c) respond to claims that any content violates the rights of third-parties; (d) respond to claims of suspected or actual illegal activity; (e) detect, address or prevent fraud, security, or technical issues; or (f) respond to an audit.
5. How can you limit the sharing of your information?
We respect your privacy and your right to limit the sharing of your information.
The federal law gives you the right to limit:
- Sharing your personal information for affiliates' everyday business purposes;
- Affiliates from using your personal information to market to you; and
- Sharing for non-affiliates to market to you.
Please note that state laws may give you additional rights to limit sharing of your personal information.
To limit the use and disclosure of your personal information, please submit a written request to firstname.lastname@example.org.
- You can opt out of receiving marketing emails by following the instructions in any marketing email or text message you receive.
For more information on how to reject or delete cookies, you should consult with your browser's or device's help documentation or visit www.aboutcookies.org. At this time, we do not respond to automated signals regarding tracking mechanisms, including “do not track” instructions from your browser. You can also opt out of internet-based advertising by installing a browser plugin from third-parties where available.
We will provide an individual opt-out or opt-in choice before we share your data with third parties other than our agents, or before we use it for a purpose other than which it was originally collected or subsequently authorized.
6. What steps do we take to protect your information?
We protect your personal/private information through the use of encryption technology. We use industry standard security protocol (Secure Sockets Layer or “SSL”) to ensure that the connection between your browser and our server remains protected. Unfortunately, no data transmitted over the Internet or data storage system can be guaranteed 100% secure. If you believe your connection with us is no longer secure for any reason, please notify us immediately.
7. Additional Matters
Updating and Correcting Your Information
Keeping your information accurate and up-to-date is very important since inaccurate or incomplete information could impact our ability to deliver Services to you. Please let us know about any changes that may be required to your personal information by updating your account profile or by contacting your account manager.
Continued Use of Information
External Links and Third-Party Privacy Policies
The Services are operated in the United States and intended for users located in the United States. If you access this site from a location outside of the United States, your information may be transferred to the United States and you agree to such transfer. You acknowledge that the United States may not provide the same level of protections as the laws of your country.
The Services are not intended for anyone under the age of 18, and we do not knowingly collect, use or disclose information of children under the age of 18. We will delete any personal information collected that we determine to be from a user younger than the age of 18.