Your privacy is important to InsuraMatch, LLC (referred to herein as the Company, our or us). This notice describes our policies for collecting, protecting, and disclosing your nonpublic personal information.
Protecting Customer Information
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, and as required or permitted by law. 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.
We protect information of our former customers in the same way as for our current customers.
Information We Collect
We collect and use information that we receive from your insurance application and through correspondence and communications from you; information about your transactions with us; information that you provide to us on our web site; information that we receive from consumer reporting agencies; information from website usage (or traffic); information from customer lists provided by other organizations and marketing data providers; information from governmental agencies and insurance-support organizations; and information relating to insurance claims, which may include medical information. This information enables us to obtain insurance products and premium quotes, service accounts, and develop and sell products offered through us.
Information We Share
We share information that we collect only as required or permitted by law to industry regulators, law enforcement agencies or other governmental authorities, anti-fraud organizations, consumer reporting agencies, third parties who assist us in processing transactions and in providing services or functions; companies affiliated with us; third party financial institutions (such as insurers and insurance agents) with whom we have joint marketing agreements in order to market products and services that we or they offer; attorneys or other authorized persons in connection with matters in litigation, as required by subpoenas and court rules and orders; our attorneys, accountants, and auditors; and such other parties as are permitted or required by law.
We may use your personal information to respond to your inquiries, questions or comments if you access our web 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.
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.
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 and http://www.d1.sc.omtrdc.net/optout.html.
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 email@example.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.
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.
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 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.