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Privacy Policy

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Your privacy is important to InsuraMatch, LLC (referred to herein as the Company, we, our, or us). This privacy policy describes how we collect, protect, and disclose your nonpublic personal information, whether on this website, other Company websites, or on web applications that we make available to you.  For convenience, when we use the term “our site” in this policy, we will be referring to any or all of this website, other Company websites, or on web applications that we make available to you.

Applicability

We follow the terms of this privacy policy as required by applicable law in the places where we do business.  We reserve the right to block any portion of this site, or application on our site, in places where we do not do business.
You may provide personal information to us through a third-party site (such as when you request an insurance quote from us while you are on another company’s site and your information is transferred to us).  Or you may request that we provide your personal information to another third-party site (such as when you instruct us to transfer your information to another site for the purpose of obtaining other insurance quotes or when you instruct us to obtain a credit report).  In these instances, this policy applies to the information we receive while you are on our site, and the privacy policies of those other sites applies to the information those parties receive from you while you are on their sites. Privacy choices you make on those third-party sites do not apply to our site or to the information you provide to us. We encourage you to read the privacy policies of any such third-party sites you visit.

Retaining and Protecting Personal Information

Retention

We keep the personal information you provide to us for the length of time needed to provide you with the products, services and information you seek from our site, unless and to the extent that a longer time period is required or permitted by law.

Protection

The Company is committed to safeguarding your nonpublic personal information. As described below, we limit access to your nonpublic personal information to those persons who need it to perform their jobs and to provide service to you, or as  required or permitted by law.  Please read the sections below titled How We Use Your Information and How We share Your Information for more detail.
We maintain physical, electronic and procedural safeguards to protect such information from unauthorized use or disclosure.
You may have additional concerns about the privacy and security of information collected through our web site. We are committed to protecting the online privacy of visitors to our web site, and as noted above maintain a variety of measures to secure your personal information. However, “perfect security” does not exist on the internet, and there is always some risk in transmitting information electronically. As we deem appropriate, we use security measures such as firewalls and encryption technology, to protect your information. However, since no security system is absolutely impenetrable, we cannot guarantee the security of our databases, nor can we guarantee that information you supply won’t be intercepted while being transmitted to us over the internet.

Former Customers

We protect information of our former customers in the same way as for our current customers.

Other Sites 

Our web site may contain links to other web sites. We have no control over the privacy practices or content of any other web sites we provide links to from our web site. You should check the applicable privacy policy  (and the security and retention practices) of the web site sponsor when linking to other web sites.

Information We Collect

To the extent permitted by law, we may collect and use the following kinds of information that we receive from your use of our site, your insurance application and your correspondence and communications with us:

Information about your transactions with us.

Information that you provide to us on our site.

Information that you provided to a third-party website and that you requested be sent to us.

Information that we receive from consumer reporting agencies, governmental agencies and insurance-support organizations.

Information from customer lists provided by other organizations and marketing data providers.

Information relating to your insurance claims, which may include medical information.

Information you provide to us through email, texts, posts, calls, and online chats (whether text or voice)

Information about  website usage (or traffic), including information gathered automatically about you use of our site, the websites from which you came directly to our site and those to which you go directly from our site. For example, we may use Google Analytics (or similar analytical tools) to monitor when and how you interact with our site.

Technical and device data when you visit our site or open our communications, including your browser or device type, unique device identifier, and IP address.

Location information, including that associated with your IP address information.

Cookies

We use “cookies” to enhance your access to our site. A cookie is a small amount of data that is sent to your browser from a web server and stored on the hard drive of your computer or mobile communications device. Cookies do not store personal information about you, unless you knowingly provide it. Cookies can store non-personal information, such as what web site pages or advertisements your browser has accessed. We use cookies to store information and personalize your experience with our web site. For example, cookies allow our web site to recognize you as a previous visitor, and thus save and remember any preferences that may have been set while you were previously browsing our web site. You do have some control over cookies. Many browsers can be set to notify you when a cookie is being placed on your computer. Many browsers can also be set to refuse to accept cookies, although this may affect your internet experience. You can also erase cookies that are already on your computer. For more information about working with cookies, you should consult your user manual, FAQ, or “help” function of your specific browser and operating system software.

In order to further personalize our website for you, and to collect a limited set of non-personally identifiable information about you to help manage our online advertising and promotions, we or our third party advertising providers use “web beacons” (also known as “clear gifs” and “pixel tags”), in conjunction with cookies. Web beacons are small transparent graphic images that are often used by web sites in connection with cookies. We may also use web beacons in email communications in order to understand the behavior of our customers. For more information about the use of this technology by us and our third-party advertising service providers, including how to opt out of these technologies, please visit http://www.networkadvertising.org/managing/opt_out.asp

How We Use Your Personal Information

Data Controller & Data Processors
Insuramatch, Inc. is the data controller for the personal information you provide to us while on our site.  Our corporate parents and subsidiaries may act as data processors.  Also, if you give us permission to do so, we may transfer your personal information to third-parties such as insurers and rating services for the sole purpose of providing you with insurance quotes, coverage, and policy information.  In those cases, those third-parties may also act as our data processors.

Uses
If permitted by applicable law, and by the choices you make and the permissions you grant to us while on our site, we may use your personal information as follows:

To provide you with information and services that you request.

To send you offers for products and services where you ask for such offers.

To customize what content you see and what products and services you are offered information about.

To otherwise customize your user experience while on our site.

To better understand and improve, or to further develop our site (and the products, services and other offerings available through our site.

To detect or deter activities that we believe may violate our terms of use, our policies, or applicable law.

How We Share Your Personal Information

We do not share your personal information, except in limited circumstances, including:
When you request that we transfer your information to third-parties so you can receive insurance quotes or related information, we will transfer to those third-parties the personal information we deem reasonably necessary for such purpose.

When you opt to receive information about products and services from third-party providers with whom we have joint marketing agreements, we will transfer to those third-parties the personal information we deem reasonably necessary for such purpose.

If we need to validate your address in order to provide you with services, we may provide that address information to a third-party validator.

If we need to validate information about your home we may provide your address (but not your name) with third-party sources that maintain public information about home sales, values, square footage, lot size and similar information.

If we need to validate your insurance coverage history, insurance claim history, driving record, automobile registration,  home or automobile ownership, employment status, credit history or other financial  information in order to provide you with services,  we may share your information with third-party sources of such information.  

To the extent required by applicable laws and regulations, or by the industry regulators, law enforcement agencies or other governmental authorities, and anti-fraud organizations who enforce those laws and regulations. We do not share your personal information in violation of those laws and regulations.

We may use your personal information to respond to your inquiries, questions or comments if you access our site or if you send us an email with questions or comments. We may save your questions or comments or your e-mail address for future reference.

When third-party companies, like express mail carriers, customer service providers, web hosting and security companies, and marketing and advertising services, provide services to us; however, these companies are prohibited from using your personal information for purposes other than those requested by us or required by law; and

We may also share your personal information to the extent necessary to enforce our Terms of Use or other rules, to comply with legal process or in instances where we believe in good faith that disclosure is required by law, or in connection with the sale of an affiliated business.; 

In order to develop our services and content to better serve you, we may share aggregate or anonymous information with third parties, including insurance companies and advertisers. For example, we may share the number of visitors our website receives.

User Generated Content

(Including comments, ratings, reviews, profiles, and photo uploads):

We offer opportunities for you to engage in public activities on our Web Site, including submitting comments, ratings, reviews, and photos. Any information you disclose in your submissions, along with your screen name or ID, or any image or photo, becomes public and may be used by the Company for online and offline promotional or commercial uses in any and all media.

“Public activities” are actions you take on our Web Sites that are designed to be visible to other users, including but not limited to comments on articles or blogs, participation in forums or discussion groups, and photo or text uploads.

We may also feature, either through automation or by editor selection, specific user profiles or public activities to be promoted anywhere on the web site. If you choose to engage in public activities, we may track and aggregate these public activities on your profile page.

If you choose to engage in public activities, you should be aware that any personally identifiable information you submit there can be read, collected, or used by other users of these areas, and could be used to send you unsolicited messages. We are not responsible for this information. To request removal of any personal information you submitted through engaging in public activities such as forums, contact us at feedback@insuramatch.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

When you share or recommend (with or without adding your own comments) any articles or content from our web site to your Facebook profile, that action is governed by the Facebook Privacy Policy. We do not track or store a record of those comments or actions.

Social Media Features and Widgets: Our Web Sites includes Social Media Features, such as the Facebook Like button, and Widgets, such as the Share This button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Contests, Sweepstakes, and Special Offers: On occasion, we collect personal information from users or customers in connection with optional sweepstakes, contests, or special offers. If this information is to be shared with a third party, we will notify you at the time of collection. If you do not want your personal information shared, you may always decline to participate in the sweepstakes, contest, or special offer.

Online Customer Panels: We occasionally offer readers and customers the opportunity to participate in online research panels. These customers agree to participate in periodic surveys about their usage of products produced by the Company, their household/personal characteristics and their purchase behavior. Panel members are primarily contacted via e-mail, but may occasionally be contacted by telephone or postal mail. All survey data is reported/used in aggregate form only, and no personally identifiable information is released. As a panel member, we require that you supply us with your e-mail address only; name, home address and telephone number are optional.

Call Monitoring

Your calls to and from the Company may be recorded to monitor the quality of our customer service, to train our staff, to check the accuracy of information you provide to us, and to prevent fraud. We will retain these call recordings for a reasonable period of time in order to perform these activities and then will delete them provided that they are not the subject of litigation or investigation. Any personal information obtained from you during a call will be treated in accordance with the terms of this Privacy Policy.

Laws of Particular Jurisdictions

Connecticut and New Jersey Customers

If you are one of our Connecticut or New Jersey customers, then in accordance with the Connecticut Insurance Information and Privacy Act (the “Connecticut Privacy Law”) or N.J.S.A. 17:23a-1 et seq. (the “New Jersey Privacy Law”), respectively, you may access your recorded nonpublic personal information that we have collected by submitting a written request, in accordance with the Connecticut Privacy Law or the New Jersey Privacy Law, as applicable. Connecticut and New Jersey customers should send their written requests to the following address: InsuraMatch, LLC, 695 Atlantic Avenue, Boston, MA 02111, Attn: General Counsel. The written request may ask us to take one or more of the following actions: (1) inform you of the nature and substance of your recorded nonpublic personal information that we have collected; (2) send you copies of such information by mail; (3) inform you of the identity, if recorded, of those persons to whom we have disclosed your personal information within two years prior to your written request; or (4) correct, amend or delete any of your recorded nonpublic personal information. When submitting your written request, please state (1) the name of the company that issued a policy of insurance to you and (2) your policy number.

California Residents

California Civil Code Section 1798.83 allows residents of California to request certain information about our disclosure of their personal information to third parties for direct marketing purposes. To make such a request please contact us at the following address: InsuraMatch, LLC, 695 Atlantic Avenue, Boston, MA 02111, Attn: General Counsel.

Changes to this Privacy Policy

We may from time to time in the future change any part of this privacy policy as our business, our technology, our industry, and applicable laws and regulations change, or for other reasons we deem necessary.  We will provide you with notice of such change by emailing you at the last email address you provided to us (if any), or by posting notice of such change here on our site and updating the date in the last line below.  These changes may include superseding statements or notices. YOU SHOULD REVIEW THIS POLICY FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE, PARTICULARLY IF YOU DID NOT GIVEN US, OR HAVE CHANGED OR DO NOT REGULARLY MONITOR, YOUR EMAIL ADDRESS. Your continuing use of this web site after such change constitutes your acceptance of any changes or updates to the Privacy Policy, all of which shall become controlling when posted.

This privacy policy was last updated on October 22, 2018.