Thank you for visiting Carinsuranceconcepts.com.
Carinsuranceconcepts.com is committed to safeguarding your privacy online. Please read the following Privacy Policy (“Policy” hereinafter) to understand how your personal information will be treated as you make full use of our many offerings. It identifies the sources from which we collect nonpublic information about you, details the measures we take to secure that information, and describes the information about you that we may share with Agents with whom we partner to provide our agent-matching administrative services. Finally, this Policy explains how you can exercise your privacy rights by election to opt out of certain information-sharing practices that we might otherwise apply to your nonpublic personal information.
Definitions
- We, our, and us each means Carinsuranceconcepts.com, also referred to as “Car Insurance Concepts”.
- You and your each means all of our past and present customers and visitors to our Internet website located at www.Carinsuranceconcepts.com (the “Site” hereinafter). Customers include any consumer who has applied for or obtained a financial product or service by virtue of using our agent-matching administrative services.
- Nonpublic Personal Information (or “NPI”) means information about you that we collect when we provide our agent-matching administrative services to your. NPI does not include information about you that is available from public sources, such as telephone directories or government records.
- Nonaffiliated Third Parties means a company that is not affiliated with Car Insurance Concepts or one of the Agents.
- Visitor Provided Information means any information, as listed in detail below, that a visitor to the Site deliberately provides by supplying information into a data field provided within one or more application forms on the Site.
- Automatically Collected Information means information we collect automatically from anyone who visits the site, and specifically includes your IP address and the date, time, duration and browsing details of your visit, such as the specific pages on the Site browsed, whether any advertiser’s links were clicked, and whether any forms or contact-us pages were filled out and submitted.
Overview
This Policy governs your use of the Site and describes much of the information that we collect from you and what may happen to that information. For example, this Policy is intended to let you know about information we collect from you; what cookies are and how they may be used; how your information is often used; who is collecting your information; with whom your information may be shared; what options are available to you regarding collection, use, and distribution of your information; how you may use other users’ information; the types of security precautions in place to protect against loss, misuse, or alteration of your information; how Carinsuranceconcepts.com protects children’s privacy; and other important information about your online privacy.
Please note that we review our privacy practices from time to time, and that our practices are subject to change. We ask that you bookmark and periodically review this page to ensure continuing familiarity with the most current version of our Policy. All amended terms shall be automatically effective after they are posted on the Site and applied retroactively if you use the Site after this Policy is amended. By visiting the Site, you agree to be bound by the terms and conditions of this Privacy Policy. If you do not agree with the terms of this Policy, please do not use or access the Site.
What Personally Identifiable Information does Carinsuranceconcepts.com collect?
A primary purpose of collecting information from you is to provide you with a safe, smooth, effective, and personalized experience. We will only collect information about you that we consider necessary.
Generally, we collect information in several ways. Some information is gathered if you fill out the form provided on the Site for collecting personal information so that Car Insurance Concepts may facilitate matching You with one or more Agents. This information (called “Visitor Provided Information,” as defined above) includes at a minimum:
- your first name,
- your last name,
- your home phone number,
- your email address,
- your residence street name and number, and duration of your residency thereat,
- your state of residence,
- your driver’s license number and issuing state thereof,
- your date of birth
Any Visitor Provided Information you supply via one or more of the data forms provided on the Site is shared with only the Agents in our affiliate network. It is Car Insurance Concepts’s policy NOT to share this information with any Nonaffiliated Third Parties and will not do so without your express permission. We will, however, from time to time share and send information among our own Car Insurance Concepts servers located throughout the United States and, in some cases, in other countries around the world.
We also save browsing and data-log information linked to your usage of the site. This includes your IP address, duration and frequency of visits to the Site, and other information of a purely technical nature that we find helpful in managing, optimizing, and maintaining the site and its performance.
We also collect personal information through the Site’s contact form and email system. This personal information is optional and includes your email address and your name along with any information you choose to submit. If you contact us by email, we may keep a record of that correspondence.
We use your Visitor Provided Information to allow us to provide you with agent-matching administrative services that seek to match you with a Lender who meets your needs. We will use your email address and name in order to reply to the messages received on the contact portion of the site. We also may use your personal information, including your Visitor Provided Information, your Automatically Collected Information, and any other information you provide, to resolve disputes, troubleshoot problems, respond to your inquiries, detect and protect against error, fraud, or other criminal activity, enforce our Website Terms of Use and our User Agreement, and for any other purposes that we deem appropriate.
In order to provide services free of charge, we display advertisements from one or more independent, third-party advertisers. The advertiser never has access to any personal information you provide to us, including but not limited to your Visitor Provided Information or your Automatically Collected Information. Only we do. By accepting the Terms of Use, User Agreement, or this Privacy Policy, you expressly agree to receive advertisements from these advertisers while visiting, browsing, accessing or otherwise using the Site.
Who is collecting information?
When you are using the Site and are asked for personal information, you are sharing that information with us. You acknowledge that data can be collected, maintained by, or transferred to another company, or other entity, within our sole judgment and for any purpose reasonably necessary to carry out our core business objective of providing you with Agent-matching administrative services. This includes encrypted storage servers and website analytic services, whether located on our premises or on the premises of our service providers contracted for such purposes.
You also acknowledge and agree that the data can be combined with, refined by, or used in any other matter with data from any of the websites owned or operated, in whole or in part, by us.
Please be advised that our advertisers or websites that have links on the Site may collect personally identifiable information about you. The information practices of those websites linked to Carinsuranceconcepts.com are not covered by this Policy.
With whom does Carinsuranceconcepts.com share my information?
Carinsuranceconcepts.com will not disclose your personally identifiable information except as described below.
Some of our employees and contractors are subject to non-disclosure agreements with us. These and other legal restrictions may prohibit their use of the information you provide us for any purpose except to facilitate the specific Car Insurance Concepts-related operation, unless you explicitly agreed or gave your prior permission to them for additional uses.
If you complete a transaction with an advertiser linked to the Site, the information obtained during your visit to that advertiser, and the information you give, may be provided to the advertiser. Advertisers linked to the Site have separate policy practices for which we have no responsibility or liability. You agree that should you visit an advertising linked to the Site, any information you provide that advertiser is governed by their privacy policy and not this Policy.
We may disclose information where we have reason to believe that disclosing the information is necessary to identify, contact, or bring legal action against someone who may be violating our policies as specified in this Policy, our Terms of Use, or our User Agreement, may be violating state or federal law, or may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other users of the Site, or anyone else that could be harmed by such activities. We may disclose or access account information when we believe that the law requires it and for administrative and other purposes that we deem necessary to maintain and improve our services.
We cannot ensure that all of your private communications and other personal information will never be disclosed in ways not otherwise described in this Policy. For example we may be forced to disclose information to the government or third parties under certain circumstances, third parties may unlawfully intercept or access transmissions or private communications, or users may abuse or misuse your personal information that they unlawfully collect from the Site. We will try to protect your privacy. We do not promise, however, and you should not expect, that your personal information or private communications will always remain private.
Do you sell or otherwise distribute my personal information for direct-marketing purposes?
in accordance with our core values, Car Insurance Concepts may sell or otherwise distribute your NPI, including your Visitor Provided Information and your Automatically Collected Information, with anyone for marketing purposes of any type.
Do You Use Cookies or Other Related Technologies?
Yes, from time to time we use various information-gathering technologies to track information on visitors to the Site and as part of how we gather your Automatically Collected Information. When you visit our Site, we may assign your computer one or more small files of computer code commonly referred to as “cookies” to help facilitate access to our Site, to help personalize your online experience, and to record information about your visit to our Site. Through use of a cookie, we also automatically collect information about your online activity such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while on other websites. The cookies do not store any personally identifiable information about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to sign in or use some of the interactive features offered on the Site or our other websites.
What are my choices regarding collection, use, and distribution of my information?
We may contact you (by email, phone, and/or mail) if you complete a contact form on the Site, or if you contact us directly by direct mail or email. We may also contact you regarding any problems with your account and for website misuse. Simply send us an email, directed toward our Administrative & Privacy Contact (see below) if you do not wish to receive optional communications.
How may I use other users’ information?
Recognizing the global nature of the Internet, you agree to comply with all applicable local laws and rules regarding online conduct and privacy, as well as content. Specifically, but not as a limitation, you agree to comply with all applicable laws regarding transmission of technical and personal data exported from the United States or the country in which you reside.
We do not tolerate spam. You are not licensed to add us or any user to your mail (email or physical mail) list without his or her affirmative consent. You are not licensed to use spam in promoting the Site.
What security precautions are in place to protect the loss, misuse, or alteration of my information?
Whenever we handle your personal information, we take steps to ensure that your information is treated securely and in accordance with the relevant User Agreement and this Policy. We maintain physical, electronic, and procedural safeguards that comply with federal standards designed to safeguard your nonpublic personal information. We use procedural and mechanical safeguards to protect your personal information against loss or theft as well as unauthorized access and disclosure to protect your privacy, including encryption. Unfortunately, however, no data transmission over the Internet can be guaranteed to be 100% secure. We cannot, therefore, warrant or ensure the security of any information you transmit to us or from our online products or services, and you do so at your own risk. Once we receive your transmission, we make our best effort to ensure its security on our systems.
If you choose to share your personal information with third parties, you are responsible for all actions taken with your account and therefore you should review that third party’s privacy policy.
How are children’s pri
vacy protected?
Children, as defined by the Children’s Online Privacy Protection Act (“COPPA”) to be persons under the age of 13, are not authorized to use the Site. Children are therefore prohibited from submitting any personal information to us, and the Site is not reasonably expected to attract the attention of children so defined. As such we claim exemption from the additional requirements of COPPA. Furthermore, persons under the legal age of majority for the purpose of forming binding contracts (which varies by jurisdiction, but is commonly between 15 and 19 years of age) are also prohibited from submitting any personal information to us through the Site. Should such information be submitted—whether by a COPPA-defined child or by someone not of majority age—any such information will be subject to the foregoing Policy’s terms, and none other.
How do I contact You?
Should you have concerns or questions regarding this Policy or any other matter arising from your use, visit, or interaction with the Site, including a request to opt-out of any subsequent communications whether electronic or otherwise, please direct your concerns, requests, and questions to the following:
Administrative & Privacy Contact
Carinsuranceconcepts.com
info@Carinsuranceconcepts.com
Latest Update to this Privacy Policy: April 30, 2011
