The Site and App are hosted in and provided from the United States of America. If you are accessing our Site or App from any location outside the United States of America, please note that the Personal Information we collect will be transferred to, used, stored, and otherwise processed in the United States of America. We do not represent that the Site, the App, or our processing of your Personal Information will comply with the laws of any jurisdiction outside of the United of America.
Information You Provide To Us
The primary means by which we collect Personal Information occurs through what you voluntarily provide to us. We collect the content, communications, and other information you provide when you use our Site or App, including when you sign up for an account, create or share content, and message or communicate with us. This can also include your transaction history and payment or other financial information (such as when you purchase a policy). This includes payment information, such as your credit or debit card number and other card information; other account and authentication information; and billing and contact details.
We may also collect certain information from you via a third party. We do not retain any information about you from such third parties unless you direct them to share your information with us on your behalf. We may also combine information you provide to us with information from public and other reputable sources, including, for example, updated contact information and demographic data.
We are not responsible for the privacy of any information you voluntarily reveal or post publicly on the Site or the App.
Information We Collect Through Automatic Data Collection Technologies
We may use third-party website analytics services in connection with our Site. We use the information collected by such services to enhance usability and functionality on the Site. Such services do not collect personal information that you do not voluntarily enter into our Site, and they do not track your browsing habits across websites that do not use their services. We use Google Analytics for collecting web site analytics. For and more information on Google Analytics, and how it collects and processes data, go to: https://www.google.com/policies/privacy/partners/.
How We May Use Your Information
We may permit our agents, vendors, consultants, and other service providers to access information collected through our Site or App to carry out work on our behalf. This includes a third-party service provider that assists us with processing credit card payments when payments are made through our Site or App. These third-party service providers are prohibited from using Personal Information obtained in this manner for any purpose(s) other than to provide the services we have engaged them to perform. We may also share your information:
- when we believe in good faith that it is necessary to respond to subpoenas, court orders, or to comply with law or any regulatory authority;
- when we believe in good faith that it is necessary to establish or exercise our legal rights or defend against legal claims;
- when we believe it is necessary to share information in order to investigate,
- if we are acquired by or merged with another organization, your information may be one of the assets transferred to or acquired by a third party;
- for any other purpose disclosed by us when you provide the information; or
- for any other purpose with your consent.
Accessing and Changing Information
With few exceptions, you are entitled upon your request to be informed about the information we collect about you. You may contact us at [email protected] to request access to, correct or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
Your Privacy Rights
We respect your ability to know, access, correct, transfer, restrict the processing of, and delete your personal data. If you choose to exercise these privacy rights, you have the right not to be treated in a discriminatory way nor to receive a lesser degree of service from us. We do not sell your data including a “sale” as defined under Nevada law.
There may be situations where we cannot grant your request — for example, if you ask us to delete your data and we are legally obligated to keep a record of that data to comply with the law. We may also decline to grant a request were doing so would undermine our legitimate use of data for anti- fraud and security purposes, such as when you request deletion of an account that is being investigated for security concerns. Other reasons your privacy request may be denied are if it jeopardizes the privacy of others, is frivolous or vexatious, or would be extremely impractical.
To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request. If you request access to or deletion of your personal information and do not sign-in to an account with us, we require you to provide the following information: name, email address, phone number, and postal address. In addition, if you do not have an account and you ask us to provide you with specific pieces of personal information, we reserve the option to require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. If you designate an authorized agent to make an access, deletion or opt-out of sale request on your behalf (1) we may require you to provide the authorized agent written permission to do so, and (2) for access and deletion requests, we may require you to verify your own identity directly with us (as described above).
California Residents Only:
Per Cal. Civ. Code § 1798.100-§ 1798.198 (“The California Consumer Privacy Act of 2018”), you have the following rights, subject to our legal and records retention obligations:
- To request information from us about the categories of or specific personal information we maintain about you and the categories of the sources of such information.
- To request we delete personal information we have collected from you.
You will not receive any discriminatory treatment by exercising these privacy rights.
We will respond to all reasonable, verified requests within the amount of time required by applicable law. If you want to exercise any of these rights, please contact:
You may authorize an agent to make a request on your behalf if proof of authorization is provided. We will return your call or email the following business day and will ask for information to help verify your identity (or verify your agent is authorized to make the request on your behalf). We will confirm whether we are able to verify, and if so, will respond to your request within 45 days.
Our website is not intended for children under 13 years of age, and we do not intentionally collect or maintain data about children under 13 unless such personal information is provided by a parent, legal guardian, or authorized adult. If we learn that we have received any personal information from anyone who is not at least 13 years old, we will delete it.
We are committed to online data security, and for that reason we take steps to make sure that the Personal Information we receive or collect is stored, processed, and maintained in accordance with reasonable security practices designed to secure your Personal Information from accidental loss and from unauthorized access, alteration, disclosure, or misuse. To the extent we engage with third-party vendors to provide the necessary technology infrastructure required to run our Site, our App, and business, we use reasonable efforts to ensure that these third-party vendors commit to industry standard security practices designed to related to secure your Personal Information from accidental loss and from unauthorized access, alteration, disclosure, or misuse.
Please note that we cannot completely guarantee the security of any information which is submitted or transmitted via the internet or via mobile platforms and, by engaging in any of these activities, you understand that any such submission or transmission is done at your own risk. You are also responsible for preventing unauthorized access to your account and Personal Information through your computer or other devices. We recommend you limit access to your computer or other devices through which you accessed the Site or App by signing off after you have finished accessing your account. We are not responsible for your circumvention of any privacy settings or security measures we provide.