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