Thank you for visiting this website Quoteandinsure.com. The Website is an Internet property of
Website Owner (
we,us,Owner). See contact information below. It is important that visitors are fully informed
about the use of
their personal information. To better protect your privacy, we provide this notice (Privacy
Policy) explaining
our online information practices and the choices available to you concerning the way that we use
the information
that we collect. This Privacy Policy hereby incorporates by reference any operating rules,
policies, price
schedules and/or other supplemental terms and conditions or documents issued and/or published by
us from time to
time including, but not limited to, the Owner Terms of Use (collectively, the �Agreement�). IF
YOU DO NOT AGREE
TO ALL THE TERMS OF THE AGREEMENT INCLUDING, BUT NOT LIMITED TO, THIS PRIVACY POLICY, THEN YOU
ARE NOT
AUTHORIZED TO USE THE WEBSITE.
For purposes of compliance with the California Financial Privacy Act and the Vermont
Consumer Protection
Act, 8 V.S.A. 10202, if you are a resident of the State of California or Vermont and would
like to opt-out
from the disclosure of your personal information to any third-party for marketing purposes,
please contact
us at the address listed further below.
Website Visitors
For each visitor to our Website, our web server automatically recognizes certain non-personally
identifiable
information such as the type of browser you are using (e.g., Netscape, Internet Explorer), the
type of operating
system you are using, (e.g., Windows 2000 or Mac OS), and the domain name of your Internet
service provider
(e.g., TimeWarner, ATT or etc.).
Personally Identifiable Information Collected
We collect your personally identifiable information when you: (a) sign-up to receive emails from
us at the
Website, via an email message or via any co-registration, third party owned or third party
operated websites;
(b) sign-up to receive and/or utilize the various products and/or services made available by and
through the
Website (Services); (c) sign-up for one of our sponsored sweepstakes, promotions or contests
(the
"Sweepstakes"); and/or (d) participate in interactive online activities (i.e., by way of
responding to questions
and surveys, community listings, ratings, searches and comparison searches, bidding, purchasing,
chat, games, or
bulletin boards, etc.). In addition, Owner collects personally identifiable information about
end-users, in
connection with: (i) subscriber interaction and response to email messages and Website use; (ii)
information
provided by marketing partners; and (iii) information appended from data aggregators. We may
also collect your
personally identifiable information when you otherwise agree to the terms of this Privacy
Policy, but do not
complete the applicable sign-up process in full. The types of personally identifiable
information that we
collect at the Website when you sign-up to receive emails from us, or for products and/or
services offered by
and through the Website, may include, without limitation, some combination of the following: (A)
your first and
last name; (B) mailing address; (C) e-mail address; (D) home, work and mobile telephone numbers;
(E) date of
birth; (F) gender; (G) monthly rent and mortgage payments; (H) Social Security Number; (I) bank
account
information; and (H) length and kind of residence. In addition, we may request information about
your use of, or
interest in, the types of products and services offered by the third party sellers with whom we
have partnered
to offer you the products and services featured on the Website. This information enables us to
better tailor our
content to subscribers' needs and to help our clients to promote and sell their products and
services.
Use of Personally Identifiable Information
The personal profile information that you submit to Owner remains your property, but by
submitting that
information to Owner, you grant Owner the right to use that information, subject to applicable
state and federal
law, for any legal purpose including, without limitation: (a) transferring your personal
information to a third
party seller to effectuate a purchase from such third party seller for products and/or services
that you applied
for at the Website; (b) marketing purposes, such as sharing your information (provided, however,
that Owner will
only share your Social Security Number-related information, bank account information and other
sensitive
financial information, if collected, with financial institutions and third party affiliates of
such financial
institutions and automotive dealerships, if applicable) with third party sellers to bring
selected retail
opportunities to you; (d) providing promotional offers to you by means of e-mail advertising,
telemarketing,
mobile marketing, direct mail marketing, pop-ups, pop-unders and/or online banner advertising;
(e) tracking
compliance with our Terms of Use; (f) sharing your personal information with providers of direct
marketing
services and applications, including lookup and reference, data enhancement, suppression and
validation; and (g)
for content improvement and feedback purposes. In addition, Owner reserves the right to release
current or past
member information: (i) in the event that we believe the Website, Sweepstakes and/or Services
are being used or
have been used in violation of the Agreement and/or to commit unlawful acts; (ii) if we are sold
or acquired or
where we deem it necessary or appropriate; and (iii) when requested by governmental or
quasi-governmental
authorities conducting an investigation, hearing or the like and/or if the information is
subpoenaed. By
agreeing to these terms, you hereby consent to the disclosure of any record or communication to
any third party
when Owner in its sole discretion, determines the disclosure to be appropriate including,
without limitation,
sharing your e-mail address with other third parties for suppression purposes in compliance with
the
requirements of the CAN-SPAM Act of 2003, as amended from time-to-time. Notwithstanding the
foregoing, we will
not use your Social Security Number-related information or bank account information for any
marketing purposes,
or transfer same to any third party, other than to financial institutions and/or third party
affiliates of such
financial institution where necessary to effectuate the purchase of products and/or services
that you applied
for at the Website.
We will also use your personal information for customer service, to provide you with information
that you may
request, to customize your experience on the Website and/or to contact you when necessary in
connection with
transactions entered into by you on the Website. You agree that we may contact you at any time
with updates
and/or any other information that we may deem appropriate for you to receive in connection with
your continued
use of our Website, Sweepstakes and/or Services. We may also use your personal information for
internal business
purposes, such as analyzing and managing our business. In addition, by submitting your personal
information to
Owner, you agree to receive mobile marketing including, but not limited to, text-message based
marketing, from
us and our third-party advertisers and marketers. Notwithstanding that your mobile telephone
number may be
listed on state and/or federal Do-Not-Call registries, we retain the right to contact you via
text-message based
marketing in accordance with applicable state and federal law. Further, you agree that we
reserve the right to
share, sell, rent, lease and/or otherwise distribute your mobile telephone number and other
mobile data with/to
any third-party for any and all non-marketing uses permitted by this Privacy Policy and
applicable law.
Privacy Rights of California Residents
Owner may, from time to time, share the personally identifiable information of California
residents with
unaffiliated third parties for their direct marketing purposes. As a California resident, you
have a legal right
to request and receive in writing or by email the names and addresses of all such third parties
who received
your personally identifiable information during the previous calendar year and a list of the
types of personally
identifiable information disclosed to such third parties. To request such information, send an
email or letter
to the contact information listed further down in this document. We will not honor such requests
more than once
per calendar year.
Collection and Use of Demographic Information and Aggregate Data
Owner gathers non-personally identifiable information through the use of some or all of the
following processes:
Cookies: Owner utilizes cookies to properly route Website users, customize users experience and
to track user
behavior in order to determine appropriate marketing offers to target toward users. Cookies, by
themselves, do
not collect personally identifiable information. Owner provides links to advertiser and partner
websites. These
sites may choose to use cookies to better promote their products and services. To learn more
about cookies,
including how to disable them, please visit www.cookiecentral.com. Please be advised that
certain areas of our
Website can be accessed only in conjunction with cookies or similar devices and if you choose to
disable cookies
or similar devices, this might prevent you from accessing some of our content.
Usage Tracking: Owner tracks information related to the electronic mailings and web pages viewed
by users, as
well as the hyperlinks clicked by users while viewing our emails and the pages on our Website.
Log Files: Log files are used to track and monitor user activity on the Website.
Beacons: Owner�s mailings contain web beacons, or a piece of computer programming code that is
used to associate
a user's interaction with our mailings, in order to tailor future campaigns to the user�s
preferences. A web
beacon is a small image that, when loaded, updates our database records. For example, if you
receive an email
about bowling and open that message, the database will be updated via the web beacon to indicate
your interest
in future bowling promotions.
Owner also creates reports on user demographics and usage patterns for our partners. This
information allows our
advertisers to market more effectively, and allows our users to receive advertisements that are
more pertinent
to their interests.
Owner reserves the right to provide aggregate or group data about our users for lawful purposes.
Aggregate or
group data is data that describes the demographics, usage or characteristics of our participants
as a group.
Minors
Users under eighteen (18) years of age are not allowed to use the Website, or sign-up for any
Services and/or
Sweepstakes. No information should be submitted to, or posted at, the Website by visitors under
eighteen (18)
years of age without the consent of their parent or guardian. We encourage parents and guardians
to spend time
online with their children and to participate and monitor the interactive activities of their
children.
Third Party Entities
Owner does not endorse, nor is Owner responsible for the accuracy of, the privacy policies,
terms and
conditions, content and/or practices of any of the advertisers, third party sellers or external
websites linked
to and/or featured on the Website. The entities that advertise and place banner ads on the
Website are
independent third parties and are not affiliated with Owner. We encourage all users to review
the privacy policy
of any website that they visit via the Website, our emails or otherwise.
Opt-Out/Unsubscribe
Users may receive e-mail confirming their registration for applicable Services and/or
Sweepstakes, as well as
promotional marketing of commercial products and services. If you do not want to receive e-mail
from us in the
future, please let us know by sending an email to the contact information listed further down in
this document.
Users may also unsubscribe from receiving our electronic mailings at any time by following the
instructions
contained within such email messages, or by unsubscribing via the Website. Owner�s unsubscribe
process impacts
only the future delivery of electronic mailings disseminated by Owner on its own behalf. Users
that have
unsubscribed from receiving mailings from Owner may still receive electronic mailings sent on
behalf of
third-parties and their personal information may still be shared with third parties for use in
offline
marketing. Owner users should also note that unsubscribing from our electronic mailings will not
automatically
unsubscribe the user from any third-party licensees� email lists. If e-mail recipients wish to
end their e-mail
subscription from a particular list, they need to follow the instructions at the end of each
e-mail message to
unsubscribe from the particular list. This allows the end-user the freedom to pick and choose
which
subscriptions to maintain and which to discontinue.
Currently, Owner does not offer users a means by which to completely delete personal information
from our
databases. Instead, subscription status can be set to "unsubscribed" to suppress inclusion from
future Owner
electronic mailings.
Security
All collected information is stored in a technically and physically secure environment. When our
registration/application process asks users to enter sensitive information (such as Social
Security Number and
bank account information), and when we store and transmit such sensitive information, that
information is
encrypted and is protected with SSL encryption software. While we use SSL encryption to protect
sensitive
information online, we also do everything in our power to protect user information off-line.
Unfortunately, no
data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we
strive to protect
your personal information, we cannot ensure or warrant the security of any information that you
transmit to us,
and you do so at your own risk. Once we receive your transmission, we employ reasonable efforts
to ensure its
security on our systems. Access to this information is strictly limited, and not accessible to
the public. All
of our users' information, not just the sensitive information mentioned above, is restricted in
our offices.
Only employees who need the information to perform a specific job are granted access to personal
information.
Our employees are dedicated to ensuring the security and privacy of all user information.
Employees not adhering
to our firm policies are subject to disciplinary action. In compliance with applicable federal
and state laws,
we shall notify you and any applicable regulatory agencies in the event that we learn of an
information security
breach with respect to your personal information. You will be notified via e-mail in the event
of such a breach.
Please be advised that notice may be delayed in order to address the needs of law enforcement,
determine the
scope of network damage, and to engage in remedial measures. If you have any questions about
security on our
Website, you can email us at the contact information listed below.
Changes to this Privacy Policy
By using the Website, registering for Services, registering for Sweepstakes and/or agreeing to
receive
information via e-mail from us, you agree to this Privacy Policy. We reserve the right, at our
discretion, to
change, modify, add, or remove portions of this Privacy Policy at any time. All Privacy Policy
changes will take
effect immediately upon their posting on the Website. Please check this page periodically for
changes. Your
continued use of the Website, Services, Sweepstakes or acceptance of our emails following the
posting of such
changes will mean constitute your acceptance of such changes. If you do not agree to the terms
of this Privacy
Policy, you may unsubscribe from our services by clicking on the link in each one of our email
communications.
Contact Us:
If you have any questions regarding this Privacy Policy, or would like more information
regarding our privacy
practices, please email us at:
info@Quoteandinsure.com.
