We collect information about you in several different ways from several different sources. For example, we collect information directly from you when you visit one of our websites to obtain information about insurance, financial, educational or other products and services, click on links on our website to access a provider’s website, view emails or text messages, speak with us on the phone, or submit inquiries to us via contact us channels. We and service providers working on our behalf collect information from you automatically when you use or interact with one of our websites, view our emails or otherwise engage with us through a computer, telephone or mobile device (“Sites”). We also collect personal information about you from third parties such as lead generation sites or other data providers, service providers, and marketing companies.
The following are the categories of personal information that we may have collected about you and examples of the information that fall into those categories:
|PERSONAL IDENTIFIERS AND OTHER IDENTIFYING INFORMATION||Name, alias, postal address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, or other similar identifiers, phone number, date of birth and age. We may approximate your location based on your IP address.|
|CHARACTERISTICS OF PROTECTED CLASS||Age range, marital status or sex (including gender, gender identity, gender expression)|
|COMMERCIAL INFORMATION||Services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. Accident and other driving history, credit information such as credit score range, dwelling value, and dwelling mortgage amount, as provided by you on our websites.|
|INTERNET OR OTHER ELECTRONIC NETWORK ACTIVITY INFORMATION||Browsing history, search history, information regarding your interaction with our website, application or advertisement, links you use or web pages you visit while visiting our site or applications, browser type, internet service provider (ISP), cookies, device identifier or other device information, and location information.|
|MULTIMEDIA INFORMATION||Audio, electronic, or similar information.|
|EDUCATION INFORMATION||Highest level of education or degree program of interest.|
|INFERENCES||Inferences drawn from any personal information collected to create a profile reflecting preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities and aptitudes.|
We use your personal and other information for business purposes including:
Technologies and Information Collected: When you visit our Sites, we and our service providers automatically collect information about your use and access of these Sites using a variety of tracking and storage technologies, including cookies, Flash objects, web beacons (also called pixel tags), embedded scripts, location-identifying technologies, and similar technology (collectively, “tracking technologies”). We or our service providers may use these tracking technologies to collect or receive information from our websites and elsewhere on the internet and use this information as described below. This information may also be combined or linked with personal information we collect directly or through other sources. The information collected in this manner includes:
Use of the information: We or our service providers may use the data collected through tracking technologies to improve, enhance, and personalize your customer experience, to monitor and improve our Sites, and for other purposes such as:
Our service providers include Google, Facebook, Microsoft, and LiveRamp. To learn more about Google’s privacy practices, click here. To access and use the Google Analytics Opt-out Browser Add-on, click here. To learn more about Facebook’s privacy practices, click here. To learn more about Microsoft’s privacy practices, click here. To learn more about LiveRamp’s privacy practices, click here.
Your choices regarding cookies: If you prefer not to accept cookies, most browsers will allow you to change your browser settings to disable existing cookies, automatically request cookies or to notify you when you receive a cookie. However, if you disable, modify, or reject cookies, some parts or functionalities of our Site may be inaccessible or not function properly. For example, disabling cookies may require you to repeatedly enter information to take advantage of services.
Opting out of online personalized advertising and do not track. We work with third parties to display advertising on our website. We or our advertising service providers, including Facebook, may use information about your activities on our Sites, to help tailor our advertisements or offers to what may be of interest to you – also called interest-based advertising. The information is gathered using the tracking technologies explained above. To limit interest-based advertising, please visit www.optout.aboutads.info. Please note that you may continue to see generic or non-targeted ads about our products and services if you opt-out of interest-based advertising.
Although we do our best to honor the privacy preferences of our visitors, we are not able to respond to “Do Not Track” signals from your browser at this time.
Email Marketing Opt-out: If you opt out from receiving marketing emails, we may still send you non-marketing emails such as emails about your products or services, responses to your requests and inquiries, or notices of updates to terms and conditions or our privacy practices. To opt-out from receiving marketing and promotional emails, please click here.
California residents have certain rights to access and delete their personal information described in this section, as well as other rights described below.
Verified Requests: To better protect you and your personal information, we will only respond to access or deletion requests that we have been able to properly verify through our authentication processes. To verify your identity, you will be asked to provide certain information, which we will only use to verify your identity or authority to make the request.
Submitting a Request: To submit an access or deletion request, please click here to submit an online request or call us at 1-866-266-9877. Responses to a verified request may take up to 45 calendar days, or longer depending on the nature of the request. If additional time is needed, we will notify you of the additional time. We may only respond to two access requests within a 12-month period. Requests from authorized agents must be submitted via the same online portal or toll-free number but to protect your privacy, consumers will be required to verify their identity directly with us via our online portal or toll-free number.
Right to Access Your Personal Information: You have the right to request that we disclose certain information about our collection and use of your personal information over the past twelve months including:
Right to Deletion of Personal Information: You have the right to request we delete the personal information we collected, with certain exceptions. We will delete your personal information in response to a verifiable request unless needed for the following:
Sale of Personal Information: We do not sell personal information for money. However, on some of our websites, we allow third-party pixels and other tracking technology on our websites which enables the sharing of information about website users with third parties for the purpose of serving you interest-based advertising. Under California law the sharing of this information may constitute a "sale." You may opt-out of that sharing at any time by clicking on the Do Not Sell or Share My Personal Information link located in the footer of the websites that enable the use of third-party pixels and other tracking technology. Except for this kind of sharing, we do not sell any other information.
Non-Discrimination Rights: We will not discriminate against you for exercising any of your rights.
Our website is not intended for children. We do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen.
The security of your personal information is important to us. We use a combination of reasonable technical, administrative, and physical safeguards to protect your personal information. However, no website, mobile application, database or system is completely secure or “hacker proof.” So, we cannot guarantee its absolute security. You are also responsible for taking reasonable steps to protect your personal information against unauthorized disclosure or misuse.
We limit access to your personal information to those who need it to do their jobs. We comply with all applicable federal and state data security laws.
If you should have questions or concerns about our privacy practices, please contact us here.