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PRIVACY

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 Seattle, Washington.

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.

Click on the links below to jump to each section:

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 [link], 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:

    • in connection with the establishment, exercise, or defense of legal claims;
    • to comply with laws or to respond to lawful requests and legal process;
    • to protect the rights and property of us, our agents, customers, and others, including to enforce our agreements, policies, and terms of use;
    • to detect, suppress, or prevent fraud;
    • to reduce credit risk and collect debts owed to us;
    • to protect the health and safety of us, our customers, or any person; or
    • as otherwise required by applicable law

    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 info @ Insurate.com.
Alternatively, inquiries may be addressed to:

    Insurate, Inc.
    14301 FNB Parkway, Suite 163,
    Omaha, NE 68154