Privacy and Communications Policy
This Privacy and Communications Policy (“Policy”) is effective as of November 1st, 2017.
This Policy sets forth how the owner(s) and operators of www.insurancekingquote.com, www.fastSR22.com, cheapautoquotes.com (“Website”) collect and use the information you provide to us and certain other information that we automatically collect through your access and use of this Website, any mobile application offered by us or through any communications with us. YOU ACKNOWLEDGE AND AGREE THAT BY USING ANY PORTION OF THIS WEBSITE OR ANY SERVICES OFFERED ON THIS WEBSITE, OR ANY MOBILE APPLICATION WE OFFER, SUCH USE SHALL INDICATE THAT YOU HAVE READ, UNDERSTAND AND THAT YOU AGREE TO OUR COLLECTION AND USE OF THE INFORMATION PROVIDED BY YOU OR AUTOMATICALLY COLLECTED BY US, AS SET FORTH IN THIS POLICY.
If you have any general questions or concerns about this Policy, you may contact us by sending an email with your questions, comments or concerns to email@example.com.
MODIFICATIONS TO THIS POLICY
If we decide at any time to change this Policy, we will revise the effective revision date posted at the top of this Policy and we will also notify you by posting a notice of the change prominently on our home page and/or upon the next time you access this Website. Failure to opt-out after receiving notice and following the opt-out instructions contained in the notice shall be deemed to be your assent to any such changes.
HOW WE COLLECT PERSONAL INFORMATION
There are a variety of ways in which you may submit certain personal information (personally identifiable information) on this Website. We collect the following specific items of personal information (collectively “Identity Information”) that you submit through your use of this Website: your first and last name, your physical address, your date of birth, your cellular phone number, driver’s license information, on occasion your social security number, and your email address. We also collect information about the make and year of any vehicle you wish to insure through our agency when you submit this information in order to seek a quote through our website.
When you provide any Identity Information through any form contained on this Website in order to contact us or send us a message, we collect and store this information. We may use your email or any other Identity Information you provide as expressly set forth in this Policy.
We collect and store your email address and all Identity Information that you provide in connection with your automobile, motorcycle or RV information (including each unique VIN) during our automated auto quote process when you elect to obtain an automobile, motorcycle or RV insurance policy quote through this Website. We use this information as set forth in the remainder of this Policy.
All credit card or other billing information you submit is done through our third-party insurance providers directly on their respective websites. We facilitate these payments only for policy payment processing and we do not collect your credit card or other billing information you submit to these third parties to process any policy payments. When you make a payment toward your policy through our applicable insurance providers website, you are providing your credit/debit card or bank account information with third party credit card and payment processors such as PayPal, authorized.net, Google, etc. (which may include fraud screening and/or automated data processors). This limited access is incidental to the services being provided by such third parties and no permission or consent is granted by us to use or disclose this information in any manner other than as necessary to facilitate any transactions with you. We shall have no control over and therefore you agree that by submitting such payment information and using our Website to process your policy payments that we shall have not liability to you whatsoever for the manner in which any credit card or billing information you submit to any third-party websites is used by such site operators.
We collect certain Identity Information and any vehicle information and information you submit about any claim you make through our Website. We share this information with the applicable insurance provider(s) insuring your automobile, motorcycle or RV.
When you provide your age and gender we collect and store all Demographic Information. We will generally use this information in connection with providing auto policy quotes to you and internally to assist us analyze the profiles of who our Website users are and our web traffic in general. We also may share this information in association with your Identity Information as specifically stated in this Policy.
Personal Information from Children Under 13
Children under the age of 13 are expressly prohibited from submitting or posting any Identity Information on this Website. If it does come to our attention that any child under the age of 13 has submitted any personal information to this Website, we will delete all such information that we have collected immediately. If you are a parent or guardian and you discover that your child under the age of 13 has submitted any of his or her Identity Information without your permission or consent, we will remove the information immediately upon your request. All requests should be made by email and sent to firstname.lastname@example.org. Please include your child’s name and a description of the type of information you think he or she may have submitted to this Website.
Mobile App Use
We collect certain information from your mobile device through any mobile application offered through this website that you install onto such device, which may include physical device location information such as your zip code, the unique device ID number and/or any app use data (i.e. how frequently you use the app, how much time you spend on the app, and where you spend time on the app) which is used by our business for internal analysis and research purposes. We use and share this information as set forth in this Policy.
HOW WE AUTOMATICALLY COLLECT NON-PERSONAL INFORMATION
When you access our Website, we collect and store certain non-personally identifying information sent automatically by your browser using standard web server logs and automatic data collection tools such as cookies and web beacons. This information may include your IP address, which may tell us your general location information such as your country and sometimes your city, state and/or zip code, the domain name from which you access our Website, your browser type and language, the pages you access, the date and time you access pages on our Website and your operating system version. We also may determine what technology is available through your browser in order to provide you with the most appropriate version of any of our web pages. For example, we may determine that you have installed a version of Flash, and we will then send you the appropriate Flash version of the web page rather than an HTML page. We may also use this information to redirect you to a different version of our Website if you are accessing our Website through a mobile or similar device.
Automatic Data Collection Through Cookies
We may monitor your use of this Website through server logs, cookies, web beacons and other “automatic data collection tools” when you use and access our Website. We use automatic data collection tools to identify and recognize your browser as a previous visitor to our Website and save and remember any user preferences that may have been set during a previous visit. Our server stores specific user preferences and settings on this Website and/or stores similar session identifiers to help you navigate and access certain features on this Website. We use automatic data collection tools to track and record your Website use and activity data, including the pages you view and how long you spend on each page or portion of our Website, the links you click on, the features of this Website you access, whether you are a new vs. repeat visitor or in order to monitor your interactions with any video or other content that you access on this Website (“Use Information”). This is done primarily for website traffic and general user analysis purposes. We also do this to help measure and research the effectiveness of the features contained on this Website. We may also use clear gifs (imbedded web beacons) to understand whether users read email messages or newsletters and/or click on links contained within those messages or newsletters so that we can deliver relevant content or product offers. Through the use of unique identifiers contained in the URL of the web beacons, we are able to record the exact time that you read our emails, as well as your IP address from tor proxy server. Some emails and web pages may refer to content on another server rather than including the content directly. Requests to the server to send the additional content typically includes the IP address of the requesting computer, the time the content was requested, the type of web browser that made the request and the existence of cookies previously set by that server, which may be linked to a unique tracking “token”.
Both session cookies, which do not stay on your browser after you exit this Website, and persistent cookies, which remain on your computer until you delete them or they expire, may be used by us. We reserve the right to monitor your use of this Website through the use of any automatic data collection tools at all times and you consent to our use of these tools when you use and access our Website. You can elect to turn off all cookies and web beacons through your browser settings. However, if you elect to do so, there may be some features of our Website that will not be available to you and some of our Website pages may not display properly.
We may also use third-party “Flash cookies” on this Website that use an Adobe Flash Media Player local shared object (LSO). Flash cookies are unlike traditional browser (http) cookies and, in some cases, any browser cookies you delete or disable will be re-generated by the Flash cookie. Flash cookies are stored in a different location on your computer than traditional browser cookies, have no expiration date by default and can contain much more information than browser cookies. Flash cookies can sometimes be managed through your browser settings. Adobe also allows you to control Flash cookies on its Flash Player Setting Manager page.
–Advertising Partners & Interest-Based Ads
–Tracking Retargeted Advertising
–Do Not Track Requests
Your browser may incorporate a “Do Not Track” feature allowing you to tell websites not to track your online activity. We do not respond to “Do Not Track” signals due to technological issues with most browsers’ communications.
–Facebook Ad Conversion Tracking
We may use the Facebook Pixel to track whether or not you have clicked on any of our Facebook ads we run from time to time and to track any associated actions you make on our website, including which Facebook ad led to a conversion. Facebook “Custom Audiences” allows us to target our Facebook ads to you and re-market to you based on certain activities you perform on our Website. We may optimize our Facebook ads and automatically show ads to our visitors most likely to make conversions. The Facebook pixel also allows us to send your data to Facebook to match your website actions with you as a Facebook user when you view or click any of our Facebook ads. We report and optimize our Facebook ads for more conversions and we pass unique identifiers such as your email and phone number that we collect from you during your actions on our Website (such as logging-in, registering for an account or checking-out). Whenever you load a page containing a Facebook pixel, the pixel tells Facebook that a conversion event occurred.
Many web browsers automatically accept cookies, but most browsers will tell you how to stop accepting new cookies (both first-party and third-party cookies), how to be notified when you receive a new cookie, and how to disable existing cookies. Be sure to check your browser settings for more information. If you choose to disable cookies, please note that some parts of our website may not function as effectively, or may be considerably slower. Please visit http://www.consumer.ftc.gov/articles/0042-cookies-leaving-trail-web to learn more information about cookies. You can also visit http://www.allaboutcookies.org/manage-cookies/ to learn more about managing cookies.
HOW WE USE YOUR INFORMATION
We use your e-mail address to send periodic promotional e-mails to you about our services and products, any new or upcoming products or otherwise related to any products or services we sell. You can opt-out of receiving any promotional emails at any time by either clicking “unsubscribe” in the body of the email communication and following the opt-out procedure contained in the email, or by sending an email to email@example.com and requesting to opt-out of receiving such communications.
We use third party service providers to provide services and/or products to us necessary for hosting or operating this Website, and/or necessary for providing email services and similar services to our users. In the course of providing these services and/or products to us, such third parties may sometimes have limited access to information collected on this Website, including some of your Identity Information. This limited access is incidental to the services being provided by such third parties and no permission or consent is granted by us for any third party provider to use or disclose this information in any manner whatsoever other than as necessary to provide the applicable service to us.
Administrative/Customer Service Support
We share our files and some Identity Information we collect through this Website directly with third party independent contractors that provide customer support and other administrative services on our behalf. We contract such third parties for the limited purpose of assisting us operate this Website and/or provide support or administrative services in conjunction with any products or services that we may offer through this Website from time to time. This limited access is incidental to the services being provided by such third party contractors and no permission or consent is granted by us to use or disclose this information in any manner whatsoever, other than as necessary to provide the applicable services to us. We require that our independent contractors commit to uphold the privacy of any Identity Information or other information regarding our Website visitors or customers that we may share with them. We require that each of our contractors agree not to use or disclose any Identity Information or any other information relating to the services we provide, which may be disclosed to or shared with these parties during the course of their duties to us, except as absolutely necessary to perform their duties to us.
Marketing & Business Consultants
We may share Demographic Information in association with certain Identity Information, or certain Identity Information by itself that we collect through your use of this Website with our marketing and/or business consultants (or partners) and any other similar such parties. We do this strictly in order to improve upon any aspect of our marketing strategies, sales practices or upon some other business practice. We may also share this information with third-party website and SEO consultants in order to help improve the functionality or accessibility of this Website, search engine visibility or to help us increase our web traffic. This limited access is incidental to the services being provided by such third parties and no permission or consent is granted by us to use or disclose this information in any manner other than as necessary to provide the applicable services or responsibilities to us. In such instances, we require that all such third party consultants or partners are committed to securing your Identity Information or any other information that
We reserve the right to provide your Identity Information and any other information we collect and store as described in this Policy to any of our subsidiaries or affiliated business entities. Affiliated entities are entities affiliated with us and that we legally control. Any such separate entity or subsidiary shall comply with this Policy at all times and your Identify Information will be used and protected in a manner consistent with this Policy.
Cross-Marketing Partners & Ad Networks
From time to time, we may decide to share Demographic Information in association with Identity Information, or certain Identity Information by itself that we collect through your use of this Website with our cross-marketing or advertising partners, including ad networks, and such third parties display targeted ads when you visit our Website, any of our partner websites or any websites part of any ad network we participate in. If you do not want us to share and disclose any of this information to such third parties, you can send an email request to firstname.lastname@example.org with the words “Information Opt-out” in the subject line and specifically request to opt-out of our sharing of this information to these third parties. Please provide us with your exact name and email address when opting-out. Once we receive your request, we will immediately cease sharing your information in the manner stated above. No permission or consent is granted by us to any of these third parties to use or disclose this information in any manner other than as set forth herein. In such instances, we require that all of these third parties agree not to use or disclose your email address for any purpose other than to send emails promoting any of their related products or services.
Do We Sell Your Identity Information?
We make every effort to respect your privacy and we will never sell, license or disclose any of your Identity Information, by itself or bundled with any Use Information or other information you provide or that we collect to any third parties for any purpose not expressly set forth in this Policy without your express written consent. We only share or disclose any Identity Information or other information collected from You as expressly set forth in this Policy.
Social Media Features and Widgets
THIRD-PARTY PRIVACY PRACTICES DISCLAIMER
We may disclose certain Identity information if: i) requested via a subpoena, court order, or local, state, federal or international law enforcement request to release any such information; or ii) in order to investigate and help prevent security threats, fraud or other malicious activity; or iii) to protect our rights or protect our property, or any or the rights of our customers or other third parties.
When you visit this Website or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. You agree that all agreements, notices and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. If you send us an email communication, call us or send a written correspondence for any reason, we may create a file and store your email and other Identity Information specific to you. We generally will maintain a record and keep notes of all communications with you. All messages transmitted by you on this Website or to us shall not be treated as confidential and shall be deemed to be accessible to the general public. You should not transmit any communications or correspondences to us that you intend only the intended recipient(s) read. Notice is hereby given that all messages or electronic data transmitted onto this Website can and may be read by us, regardless of whether we are the intended recipient of any such message(s).
HOW WE PROTECT YOUR INFORMATION
We use reasonable, industry standard security measures to protect all Identity Information and billing information you provide. We make no guarantee, warranty or representation that your credit card or other billing information, or any other information you provide through this Website, will remain secure at all times from any illegal or unauthorized access of the information by third parties. We shall not, under any circumstances, be held responsible or liable for information or transmissions that are accessed by third parties illegally or without authorization through this Website and/or network. We will report any unauthorized access of your information promptly upon discovery, and we will use our best efforts to remedy any security vulnerability that contributed to the unauthorized access.
Information Storage And International Transfer
Any Identity information and all other information which we collect on this Website will be stored and processed in our servers located in the United States. If you reside outside the United States, you consent to the collection, transfer, storage and processing of any information from your country to the United States.
How to Update, Change or View Your Personally Identifiable Information
If you would like to request any changes or updates to any Identity Information you have provided to us, or if you would like to view any information we have collected from your use of this Website, please contact us and request the same by sending an email to: email@example.com. Please include the words “Personal Information Request.” If you make any information requests, we will require that you provide proof of your identity, which may include providing us with a copy of a driver’s license, social security card and/or birth certificate. We also reserve the right to require that you sign and provide us with a notarized affidavit verifying your identity before we update or release any information to you.
Upon any acquisition, merger, sale or other change of control of our business/organization, we reserve the right to transfer any Identity information you have submitted to this Website as part of the property owned by us to our successor resulting from such merger, acquisition, sale, etc. In the event of our bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors’ rights generally, We reserve the right to transfer your Identity Information to protect any of the our rights or as required by law.