Insurate privacy notice
Last
Modified March 27, 2020
This Privacy Notice explains how we collect, use, disclose, and otherwise
process personal information in connection with our Services. This Privacy
Notice is not a contract and does not create any legal rights or obligations.
Who We Are: Insurate, Inc. (“Insurate,” “we,” “us” or “our”) is
headquartered in Omaha, NE.
Our Services: When we use the term “Services”, we are referring only
to the Services that we offer on our own behalf, including our insurance
technology products and services and the websites that post or link to this
Privacy Notice.
This Privacy Notice does not cover or address personal information and
privacy practices relating to Insurate job applicants, employees and other
personnel.
1. What
is Personal Information
When we
use the term “personal information” in this Privacy Notice, we mean information
that identifies, relates to, describes, is reasonably capable of being
associated with, or could reasonably be linked, directly or indirectly, to you.
It does not include aggregated or deidentified information that is maintained
in a form that is not reasonably capable of being associated with or linked to
you.
2. Our Collection of Personal Information
From the first moment you interact with us, we are collecting personal
information about you. Sometimes we collect personal information automatically
when you interact with our Services and sometimes we
collect personal information directly from you. At times, we may collect
personal information about you from other sources and third parties, even
before our first direct interaction.
Personal Information You Provide
We collect personal information you provide to us when you register for or
otherwise use our Services on behalf of your business or employer, which may
include:
Contact Information, including your name, email address, telephone
number, and address when you register for our Services or engage in a
transaction with us on behalf of your employer or business or otherwise
communicate with us. We may also collect any communications between you and us,
as well as any other information you provide to us.
Transaction Information, including
payment information, credit information and order details when you purchase
Services from us on behalf of your employer or business. Payments may be
processed by third-party payment processors. Please refer to the applicable
processor’s terms and privacy policy for more information about how payment
information is processed and stored.
Inquiry Information, including the content of emails or
contact form submissions on our website, and, where applicable, voice
recordings from calls with us when customers or prospective customers contact
us.
Account Information, including your username and password.
Insurance Information, including health information and claim
information submitted through applications and other forms about our customers’
injured workers and other employees, as well as information about other persons
involved in or witnessing claims. For example, this may include type of injury,
occupation, wages, employment history and social security number.
Professional/Employment Information, including your job title,
department, employer or business.
Personal Information Automatically Collected
As is true of most digital platforms, we collect certain personal
information automatically when you visit our online Services, including:
Log File Data, including your internet protocol (IP) address,
operating system, browser type, browser id, date/time of visit, and pages
visited.
Analytics Data, including the electronic path you take to
our Services, through our Services and when exiting our Services, as well as
your usage and activity on our Services, such as the links and object you view,
click or otherwise interact with (also known as “Clickstream Data”).
Location Data, including your general geographic location
based on your IP address or more precise location when accessing our online
Services through a mobile device.
For information about our and our third-party partners’ use of cookies and
related technologies to collect information automatically, and any choices you
may have in relation to its collection, please see the “Cookies and Online Ads”
section below.
Personal Information from Other Sources and Third Parties
We also obtain personal information from other sources, which we often
combine with personal information we collect either automatically or directly
from you.
We receive the same categories of personal information as described above from
the following sources and third parties:
Service Providers: Our service providers that perform services solely
on our behalf, such as payment processors and analytics providers. For example,
we may receive personal information from our service providers that conduct
marketing or analytics activities.
Business Partners: Our business partners may collect personal
information in connection with the Services provided and may share some or all of the information with us. For example, we receive personal
information from our channel partners that refer customers to us, such as
contact information.
Publicly Available Sources: We collect personal information about
individuals that we do not otherwise have, including contact information,
employment-related information and product interest
information, from publicly available sources. We may combine this information
with the information we collect from an individual directly. For example, we
may use this information to contact individuals or to send advertising or
promotional materials.
Other Third Parties: From time to time, we may receive information
about individuals from third parties. For example, we may obtain information
from our marketing partners or from third parties to enhance or supplement our
existing information about an individual.
3. Our Use of Personal Information
We use personal information we collect to:
To fulfill or meet the reason you provided the information.For
example, if you share your name and contact information to ask a question about
our Services, we will use that personal information to respond to your inquiry.
To process your registration for our Services, including verifying your
information to ensure its accuracy and validity.To
communicate with you, including via email, text message and/or telephone calls.
To operate, maintain, and provide the features and functionality of the
Services, including to match and connect our customers with preferred worker’
compensation insurance pricing quotes from underwriters.
To send you important information regarding the Services, such as certain
changes to our terms, conditions, policies, and/or other administrative
information.
Because this information may be material to your use of the Services, you may
not opt out of receiving such communications.
For our marketing purposes.
To help maintain the safety, security, and integrity of our Services,
technology assets, and business.
For our internal business purposes, such as data analysis, customer
research, audits, fraud prevention, developing new products and/or features,
enhancing the Services, improving our Services and identifying usage trends.
To respond to law enforcement requests and as required by applicable law,
court order, or governmental regulations and enforce our corporate reporting
obligations and our Terms of Service, or to comply with applicable
laws.
For purposes disclosed at the time you provide your personal information or as
otherwise set forth in this Privacy Notice.
We may also use aggregate personal information in a manner such that the
end-product does not uniquely identify you or any other user of the Services,
such as to provide predictive modeling analytics.
If you choose to contact us, we may need additional information to fulfill
your request or respond to your inquiry. We may provide additional privacy
disclosures where the scope of the inquiry/request and/or personal information
we require falls outside the scope of this Privacy Notice. In that case, the
additional privacy disclosures will govern how we may process the information
you provide at that time.
4. Our Disclosure of Personal Information
We disclose personal information in the following ways:
Within Insurate: We may disclose personal information between and
among Insurate and its current and future parents, affiliates, subsidiaries,
and other companies under common control or ownership. Insurate entities
disclose personal information to other Insurate entities for purposes and uses
that are consistent with this Privacy Notice.
Service Providers: We may disclose personal information with
third-party vendors, consultants and other service providers who perform
functions or services on our behalf. For example, we may share personal
information with service providers for auditing, compliance, corporate
governance functions, advertising and marketing, mailing services, and web hosting.
Business Partners: We may share personal information with third
parties with whom we do business, including our channel partners who refer
customers to us, in order to facilitate our Services, or for their own
marketing purposes in compliance with applicable laws and subject to their
separate privacy notices.
Insurers/Underwriters: We may share customer personal information with
insurers/underwriters as necessary to provide you with our Services and
pursuant to the terms of the relevant agreement(s) between us and our
customers. To learn about the personal information practices of these entities,
please visit their respective privacy notices.Business
Transaction or Reorganizations: We may take part in or be involved with a
corporate business transaction, such as a merger, acquisition, joint venture,
or financing or sale of company assets. We may disclose personal information to
a third-party during negotiation of, in connection with or as an asset in such
a corporate business transaction. Personal information may also be disclosed in
the event of insolvency, bankruptcy, or receivership.
Legal Obligations and Rights: We may disclose personal information to
third parties, such as legal advisors and law enforcement:
Consent: We may disclose personal information about you to certain
other third parties with your consent.
5. Cookies and Online Ads
Cookies
What Information We Collect:
We, and our third-party partners, may automatically collect certain types
of usage information when you visit our website or interact with our Services.
We may collect this information through a variety of data collection
technologies, including cookies, web beacons, embedded scripts,
location-identifying technologies, file information, and similar technology
(collectively, “cookies”). For example, we may collect information about your
device and its software, such as your IP address, browser type, Internet
service provider, platform type, device type, operating system, date and time
stamp, and other similar information. We may collect analytics data or use
third-party analytics tools such as Google Analytics to help us measure traffic
and usage trends for our Services and to understand more about the demographics
of our users.
How We Use That Information:
We use or may use the data collected through cookies to: (a) remember
information so that you will not have to re-enter it during your visit or the
next time you use our Services; (b) provide and monitor the effectiveness of
our Services; (c) monitor aggregate metrics such as total number of visitors,
traffic, usage, and demographic patterns on our Services; (d) diagnose or fix
technology problems; or (e) otherwise to plan for and enhance our Services. As
explained in more detail below, we and our advertising partners also use this
information to understand your browsing activities, including across
unaffiliated third-party sites, so that we can deliver ads and information
about products and Services that may be of interest to you.
Your Choices About Cookies:
If you would prefer not to accept cookies, most browsers will allow you to
change your browser settings to: (i) notify you when
you receive a cookie, which lets you choose whether or not to accept it; (ii)
disable existing cookies; or (iii) set your browser to automatically reject cookies.
Please note that doing so may negatively impact your experience using this
site, as some features and services on the Services may not work properly.
Depending on your device and operating system, you may not be able to delete or
block all cookies. You may also set your email options to prevent the automatic
downloading of images that may contain technologies that would allow us to know
whether you have accessed our email and performed certain functions with it.
You can learn more about Google’s practices with Google Analytics by visiting
Google’s privacy policy here. You can also view Google’s currently
available opt-out options here.
Online Advertising
What Information We Collect and How We Use That Information:
Please note that when you “opt-out” of receiving interest-based
advertisements, this does not mean you will no longer see advertisements from
us or on our Services. It means that the online ads that you do see from DAA
program participants should not be based on your interests. We are not
responsible for the effectiveness of, or compliance with, any third-parties’ opt-out options or programs or the accuracy
of their statements regarding their programs. In addition, third parties may
still use cookies to collect information about your use of our Services,
including for analytics and fraud prevention as well as any other purpose
permitted under the DAA’s Principles.
We participate in interest-based advertising and use third party advertising
companies to serve you targeted advertisements based on your browsing history.
We permit third party online advertising networks, social media companies and
other third-party services, to collect information about your use of our online
Services over time so that they may play or display ads on our Services, on
other websites, or services you may use, and on other devices you may use.
Typically, though not always, the information used for interest-based
advertising is collected through data collection technologies, such as cookies,
web beacons, embedded scripts, location-identifying technologies, and similar
technology (collectively, “data collection technologies”), which recognize the
device you are using and collect information, including click stream
information, browser type, time and date you visited
the site, AdID, precise geolocation and other
information. We may share a common account identifier (such as a hashed email
address or user ID) with our third-party advertising partners to help identify
you across devices. We and our third-party partners use this information to
make the advertisements you see online more relevant to your interests, as well
as to provide advertising-related services such as reporting, attribution, analytics and market research.
Your Choices About Online Ads:
We support the self-regulatory principles for online behavioral advertising
(“Principles”) published by the Digital Advertising Alliance (“DAA”). This
means that we allow you to exercise choice regarding the collection of
information about your online activities over time and across third-party
websites for online interest-based advertising purposes. More information about
these Principles can be found at www.aboutads.info. If you want to “opt out” of
receiving online interest-based advertisements on your internet browser from
advertisers and third parties that participate in the DAA program and perform
advertising-related services for us and our partners, please follow the instructions
at www.aboutads.info/choices,
or http://www.networkadvertising.org/choices/ to
place an “opt-out” cookie on your device indicating that you do not want to
receive interest-based advertisements. Opt-out cookies only work on the
internet browser and device they are downloaded onto. If you want to opt-out of
interest-based advertisements across all your browsers and devices, you will
need to opt-out on each browser on each device you actively use. If you delete
cookies on your device generally, you will need to opt-out again. If you want
to “opt out” of receiving online interest-based advertisements on mobile apps,
please follow the instructions at http://www.aboutads.info/appchoices.
6. Choices and Control Over Your Information
Profile and settings: You may update your account information and
adjust your account settings by logging into your account. Please note that
changes to your settings may require some time to take effect.
How to control your email preferences: You can stop receiving
promotional email communications from us by clicking on the “unsubscribe link”
provided in such communications. We make every effort to promptly process all
unsubscribe requests. You may not opt out of service-related communications
(e.g., account verification, transactional communications, changes/updates to
features of the service, technical and security notices).
Online advertising and tracking: Please refer to the “Cookies
and Online Ads” section of this Privacy Notice above to learn more about how we
work with third party partners to collect data through tracking technologies
for various purposes, including analytics and advertising, and to understand
your choices.
7. Children’s Personal Information
Our website and online Services are not directed to, and we do not intend
to, or knowingly, collect or solicit personal information from children under
the age of 13. If you are under the age of 13, please do not use our website or
online Services or otherwise provide us with any personal information either
directly or by other means. If a child under the age of 13 has provided
personal information to us, we encourage the child’s parent or guardian to
contact us to request that we remove the personal information from our systems.
If we learn that any personal information we collect
has been provided by a child under the age of 13, we will promptly delete that
personal information.
8. Third-Party Websites
Our website and online Services may include links to third-party websites, plug-ins and applications. Except where we post, link to or expressly adopt or refer to this Privacy Notice, this
Privacy Notice does not apply to, and we are not responsible for, any personal
information practices of third-party website and online Services or the
practices of other third parties. To learn about the personal information
practices of third parties, please visit their respective privacy notices.
9. Updates to This Privacy Notice
We will update this Privacy Notice from time to time. When we make changes
to this Privacy Notice, we will change the "Last Updated" date at the
beginning of this Privacy Notice. If we make material changes to this Privacy
Notice, we will notify you by email to your registered email address, by
prominent posting on this website or our online services, or through other
appropriate communication channels. All changes shall be effective from the
date of publication unless otherwise provided.
10. Contact Us
If you have any questions or requests in connection with this Privacy
Notice or other privacy-related matters, please send an email to
[email protected].
Alternatively, inquiries may be addressed to:
Insurate, Inc.
14301 FNB Parkway, Suite 100,
Omaha, NE 68154