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.
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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.
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.
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.
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.
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.
We use personal information we collect to:
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:
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.
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.
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.
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.
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: