QuoteOnInsurance.com Privacy Statement

Summary

At QuoteOnInsurance.com, we take your privacy seriously. Our company, including our Web site www.QuoteOnInsurance.com, is committed to data security and the protection of your personally identifiable information, such as your name, address, social security number, e-mail address and phone number.

This privacy statement covers the privacy and information sharing practices of QuoteOnInsurance.com, including:

         what information of yours is collected;

         who is collecting the information;

         how the information will be used;

         with whom the information may be shared;

         what your choices are regarding collection, use and distribution of the information; and

         the security procedures used to protect against the loss, misuse or alteration of your information under QuoteOnInsurance.com’s control.

Questions regarding this privacy statement can be directed to our Customer Service department.  If we have not responded to your inquiry regarding our privacy policy within five business days, or you are not satisfied with the answer you received, you may contact at privacy@QuoteOnInsurance.com.

What information do you collect about me?

We collect three basic types of information – personally identifiable information, non-personally identifiable information and technical information.

Personally Identifiable Information.  We collect information about you to quote and service your insurance policy.  This is often called personally identifiable information if it identifies you and is not generally available to the public.  You provide personally identifiable information on your application, through your agent or broker, by phone, or online.  It may include your name, street and e-mail addresses, phone number, driver’s license number, Social Security number, date of birth, gender, marital status, type of vehicle, and personally identifiable information about other drivers who may be included on your insurance policy.

Non-Personally Identifiable Information.  We may also collect certain non-personally identifiable information from your use of our Web site, such as usage activity and preferences.  We may share site usage activity and/or aggregated statistical information from our database with insurance providers or business partners (for example, the percentage of our users that are over 50 years old).  Even in these cases, your personally identifiable information is not disclosed.

Technical Information. This information is unique to Internet transactions.  It includes the Web site that linked you to ours, your computer operating system, and the pages you viewed on our site.  Our Web site may also store “cookies” on your computer.  Cookies save certain non-personally identifiable information you enter on our Web site.  They also collect technical information, like your Internet protocol (IP) address, the type of operating system you are using, and session ID.  We may also use other technology (e.g., tracker GIFs) designed to enhance the functionality of our Web site and to make your transactions and other activities more convenient and efficient.  While these technologies vary, in some cases they may store a small file on the computer you are using to access our Web site.  We only use this technology to collect and store information relating to your viewing and use of our Web site and our correspondences with you.  You may set your Web browser software not to accept cookies, but, if so, the functionality of our site will be affected.  We may collect your IP address to help diagnose problems with our server, administer our Web site and identify our users.  We may also use such technologies to remember user preferences or minimize the need for you to re-enter information.

Third parties (including, but not limited to, software vendors, advertisers and fulfillment companies) may also use the above technologies by or through our Web site.  We have no control over what information such third parties track or collect, and we have no responsibility or liability for any tracking, data collection or other activities of such third parties. 

How does QuoteOnInsurance.com use your personally identifiable information?

We use your personally identifiable information to create your insurance profile.  From this profile, we generate quote requests to our participating insurance companies.  If you meet their criteria, participating insurance companies and insurance representatives (collectively, “Insurance Providers”) may provide you with an offline quote.

Unless you give us permission to do so, or unless required by law, we will not willfully use or disclose your personally identifiable information.

How do QuoteOnInsurance.com’s Insurance Providers or other third parties use your information?

We cannot control the privacy practices of Insurance Providers.  However, all the Insurance Providers should only use the information you submit to us for the purpose of providing you with an accurate insurance quote.  Insurance Providers use your personally identifiable information in combination with other information you submit about your insurance needs.  Rating criteria may be different for each participating Insurance Provider and each Insurance Provider may place different emphasis on particular aspects of your information.

QuoteOnInsurance.com also contracts with certain partners that utilize ad-serving technology offered by various companies.  To gauge the effectiveness of the advertisements, these companies may place a cookie on your computer when you view Web pages where these ads appear, or when you click on the ads.  These third-party cookies enable the companies to recognize certain types of non-personally identifiable information, such as a visitor’s IP address, browser version type, operating system, Internet service provider, and time zone.  Although the information collected using these cookies does not directly recognize your personally identifiable information, these third parties may be able to associate the cookie information with your personally identifiable information if you registered for a product or service on their site.  We encourage you to carefully read the privacy policies of these third party sites as their privacy policies may differ from ours.

Do we send your information to Insurance Providers? Do you have control over this?

Yes, by clicking the “Submit My Request” button on the final page of our application screens, you are requesting that insurance companies subscribing to the QuoteOnInsurance.com service contact you via email, telephone or fax, using the information you have supplied, to provide quotes for insurance products or services or to obtain additional information needed to provide quotes. This information is only sent at your direction.

Does QuoteOnInsurance.com store your information?

Yes. All information submitted through our quote request forms is stored on our computer servers.  We do not use your personally identifiable information except or with your permission:

         to forward it to Insurance Providers,

         to save it to your QuoteOnInsurance.com Account, and

         to send you e-mail, including consumer surveys, as described in this Privacy Statement. 

After you request quotes at QuoteOnInsurance.com, who will contact you?

After you submit your information to QuoteOnInsurance.com by clicking the “Submit My Request” button on the final page of our application screens Representatives of Insurance Providers enrolled in the QuoteOnInsurance.com service should contact you with information regarding your quotes, coverage, or insurance needs.  In addition to QuoteOnInsurance.com e-mailing you a quote confirmation, QuoteOnInsurance.com will occasionally e-mail a quality control survey to all customers who request quotes or coverage.  These surveys are optional.  While we may review individual survey responses as well as the aggregated results, none of the surveys are associated with personally identifiable information.  Additionally, QuoteOnInsurance.com does not disclose or share survey responses with any third party.

Does QuoteOnInsurance.com sell your information to other companies?

No, we never resell, trade, lease or rent our users’ personally identifiable information to other companies other than participating Insurance Providers. 

Does QuoteOnInsurance.com send e-mails or other promotional material?

When you save your information at our site you will be given the opportunity to receive further information from QuoteOnInsurance.com.  Our communications are usually delivered to our customers via e-mail.  Your e-mail address may be provided to a trustworthy third party solely for this purpose.  Our customers generally find the information helpful.

Opt-Out

If you would like to opt not to receive promotional or marketing material from us in the future, please submit your email address at http://QuoteOnInsurance.com/MarketingMedia/optout.html.  However, your option not to receive promotional and marketing material: (a) will not stop our correspondence with you, by e-mail or otherwise, regarding your existing or past relationship with us (e.g., your pending or past applications or our responses to questions or inquiries you pose to us), and (b) will not stop us, including our employees, contractors, agents and other representatives, from accessing and viewing your personal information in the course of maintaining and improving the Site.

If you have completed the quote information page by entering your contact information, you will occasionally receive information from us about your quotes (although you may not have saved your information).

If you would like to unsubscribe from receiving email advertisements from QuoteOnInsurance.com, you can either follow the instructions in the advertisement.  Please note that it may take up to 10 days to process your request.

What do sites that have links from QuoteOnInsurance.com do with your information?

Please be aware that Web sites that have links on our site may collect personal information about you.  When you click on one of these links, you are being transferred to another website.  We encourage you to carefully read the privacy policies of these linked sites as their privacy policies may differ from ours.  This privacy statement does not cover the information practices of Web sites linked to the QuoteOnInsurance.com site.

How does QuoteOnInsurance.com protect your information as it passes over the Internet?

With SSL, when you enter a request for quotes or provide personal information, your information is encrypted as it travels between your computer and our computer servers.  To support this technology, you need an SSL-capable browser.  We recommend using a strong encryption, 128-bit browser.  Netscape Navigator 4.06 or higher and Microsoft’s Internet Explorer 4.01 or higher are 128-bit browsers.  You can tell when you are visiting a secure area in our site by looking at the symbol on the bottom of your browser screen.  If you are using Netscape Navigator or Internet Explorer, you will see either a lock or a key.  When the symbol appears unbroken or the padlock is in the locked position, your session connection is taking place via a secure server.

When you agree to send information, we transmit your information to the company you select.  We offer encryption to each of our participating insurance companies.  We require encryption when transmitting information such as Social Security numbers or credit card information.

What does the technical jargon mean?

Cookie. A small text file saved in your computer when you access certain Web pages.  Cookies identify you to the Web site that gave you the cookie.

Digital certificate. A small file that can be transferred to your computer and used for authentication.  Once installed, it can be automatically used as needed.

Internet protocol (IP) address.  A string of numbers that are translated into a domain name.

Operating system. The program responsible for overseeing the basic hardware resources of a computer.  UNIX, DOS, Windows, and Macintosh System 7 are examples of operating systems.

Secure server. A computer system set up to provide privacy, integrity, and authentication in communications. (See Secure Sockets Layer).

Security protocol. A specification that describes how computers will talk securely to each other on a computer network.

Secure Sockets Layer (SSL).  A protocol that delivers server authentication, data encryption, and message integrity.  SSL encrypts Internet communications.

Session ID. The code used to keep track of a person as they interact with a server.

Site certificate. This is the same as a digital certificate, but it is used on the server rather than at the browser.

128-bit encryption.  A way of making data unreadable to everyone except the receiver.  It’s a common way of sending credit card numbers and data over the Internet.  It is used by SSL.

Does QuoteOnInsurance.com collect information from children under the age of 13?

QuoteOnInsurance.com does not knowingly solicit data from children, and we do not knowingly market to children.

Changes to Our Privacy Policy

QuoteOnInsurance.com may make significant changes to its privacy policy affecting the use of the personal information collected.  We will notify you by e-mail of any relevant changes.  However, if you have opted out of all communication with the site, or deleted/deactivated your account, then you will not be contacted, nor will your personal information be used in this new manner.  When we notify you, you will be able to opt out of this information usage by submitting your email address at http://QuoteOnInsurance.com/MarketingMedia/optout.html.  You should also check this posted privacy statement for changes.