Privacy Statement
At WEInsurify.com, We Value Your Privacy
We are dedicated to protecting consumer personal information and using it only as needed to serve or understand our customers. Our policy is to keep personally identifiable information confidential and restrict access to only those who require it. This privacy statement outlines our practices for safeguarding personal information in offline, online, and mobile settings. Additional details about online and mobile privacy measures can also be found in this statement.
What information do we collect and how do we use it?
We may collect the categories of personal information listed in the chart below.
Consumers
The information provided pertains to individuals who are not employed, working as an agent, or contracted with us. We may gather various types of personal data for the specified purposes. It is important to understand that the examples given are not comprehensive and could belong to more than one category. The categories and specific details collected may differ based on the type of association you have with us.
CATEGORY EXAMPLES
Personal Identifiers Information such as name, nickname, location, social security number, birthdate, passport details, distinct personal identification, online handle, IP address, email address, account username, government-issued ID number, contact number, and signature.
Personal Characteristics Information about your gender, age group, medical history, criminal record, marital status, children, driving history, family relationships, and other details about your physical appearance.
Commercial Information Information such as personal belongings, insurance policy details, medical records, and health insurance information, as well as records of purchased products or services, preferences for products or services, and past purchasing or consumption habits.
Biometric Information Voice print, photo
Internet or network activity Details about how you engage with websites, apps, and ads, as well as your browser type, electronic communications, IP address, and cookies.
Geolocation Information such as IP address, physical address, phone number, state, city, geographical location, devices, and mobile and computer applications.
Audio, electronic, visual, thermal, olfactory Various forms of information such as audio recordings, electronic data, photographs, and visual content like video recordings or voicemail messages.
Professional and Employment information Information such as job titles, employment background, educational background, current employment status, and military or veteran status.
Education Information Information such as job titles, employment background, educational background, relationship status, family details, email addresses, and phone call recordings.
Inferences Choices, actions, traits, patterns, tendencies, mindsets, skills, and talents.
Sensitive Personal Information Information such as your Social Security number, driver’s license number, state ID card, account log-in details, exact location, bank account or credit card numbers, financial details, trade union affiliation, and any communications you have with us.
Purposes for Collection of Personal Information – Consumer
We gather and utilize your personal data in order to offer, deliver, and uphold insurance products and associated services for you. Your personal information may be utilized for one or more of the following objectives:
· To offer, deliver, maintain, and enhance insurance products and associated services, including claims-related assistance;
· To verify your identity, manage your preferences, and communicate with you;
· For safety and security reasons, such as preventing, detecting, and investigating data security incidents, as well as safeguarding against malicious, deceptive, fraudulent, or illegal activities; debugging and ensuring the reliability of our systems;
· To offer suitable products and services, conduct analytics, research, and development on our offerings;
· Sending marketing communications to you;
· Ensuring quality assurance;
· Providing location-based services or products as requested by you;
· Applying relevant discounts;
· Creating profiles based on collected personal information and reflecting individual preferences;
· Adhering to applicable laws, regulations, or governmental/judicial orders.
How Long Do You Retain My Information
We keep your personal information for a reasonable amount of time to meet the original purposes of collection and to adhere to relevant legal or regulatory obligations, following our internal protocols.
Sources of Personal Information
In relation to consumers, customers, potential customers, current and former employees, job applicants, agents, and district managers, we gather the types of personal data mentioned above from the following sources:
· Directly from individuals: We collect personal information when individuals provide it to us while requesting a quote, making a claim, or purchasing a policy on our website(s) or mobile apps, or during interactions with our agents or call center.
· Indirectly from individuals: We may gather personal information, such as geolocation and driving data (when using mobile apps), IP address, cookies, and device ID, when individuals visit our website(s), engage with our online ads, or use our mobile app(s).
· Provided by third-party service providers: Personal information may be obtained from third-party service providers, including consumer reporting agencies, marketing firms, and data providers.
· Obtained from government entities: We might acquire personal information from public records maintained by various government entities.
Sharing your information
In line with CCPA and other relevant regulations, we may share your personal information with third-party service providers for business reasons. When we do so, we establish a contract outlining the purpose and mandating the recipient to maintain confidentiality and only use the information for contract-related tasks or as allowed by law. Apart from this, we may also disclose your personal information in accordance with federal laws as detailed in our customer privacy notices.
We might disclose your personal information in accordance with the law to various entities, such as:
· Insurance companies
· Agents
· Service providers like internet service providers and data analytics providers
· Marketing and advertising companies
· Legal and financial support providers
· Payment processors
· Government entities
· Consumer reporting agencies
· Insurance support organizations.
In the past year, we may have shared the following types of personal information with the following entities.
CATEGORY EXAMPLES
Personal Identifiers Information such as name, nickname, location, social security number, birthdate, passport details, distinct personal identification, online handle, IP address, email address, account username, government-issued ID number, contact number, and signature.
Personal Characteristics Information about your gender, age group, medical history, criminal record, marital status, children, driving history, family relationships, and other details about your physical appearance.
Commercial Information Information such as personal belongings, insurance policy details, medical records, and health insurance information, as well as records of purchased products or services, preferences for products or services, and past purchasing or consumption habits.
Biometric Information Voice print, photo
Internet or network activity Details about how you engage with websites, apps, and ads, as well as your browser type, electronic communications, IP address, and cookies.
Geolocation Information such as IP address, physical address, phone number, state, city, geographical location, devices, and mobile and computer applications.
Audio, electronic, visual, thermal, olfactory Various forms of information such as audio recordings, electronic data, photographs, and visual content like video recordings or voicemail messages.
Professional and Employment information Information such as job titles, employment background, educational background, current employment status, and military or veteran status.
Education Information Information such as job titles, employment background, educational background, relationship status, family details, email addresses, and phone call recordings.
Inferences Choices, actions, traits, patterns, tendencies, mindsets, skills, and talents.
Sensitive Personal Information Information such as your Social Security number, driver’s license number, state ID card, account log-in details, exact location, bank account or credit card numbers, financial details, trade union affiliation, and any communications you have with us.
Do Not Sell/Share My Personal Information/Notice of Right to Opt Out
Right to Access/Right to Know
You have the right to ask for more details about how we collect and use your personal information over the past year. The types of personal information we gather are outlined in our privacy policy. Once we confirm your request, we will provide you with the following information, as relevant to your inquiry:
· The types of personal information we have collected about you
· The sources from which we obtained your personal information
· The reasons why we collect or sell your personal information for business purposes
· The categories of third parties with whom we share your personal information
· The specific personal information we have collected about you
· If we have sold or shared your personal information for business purposes, we will provide two separate lists
· Sales: showing the categories of personal information purchased by each recipient category
· Disclosures for business purposes: showing the categories of personal information obtained by each recipient category
You are allowed to submit a verifiable consumer request for access only two times in a 12-month period.
Right to Request Deletion
We keep your personal information for a reasonable amount of time to fulfill the reasons it was collected for and to adhere to relevant legal or regulatory obligations, following our internal protocols.
Business purposes may involve managing policies, processing claims, and setting premiums. Legal responsibilities may include reporting, resolving disputes, and ensuring compliance. You can ask us to remove any of your personal data that we have gathered and stored, with some exceptions. Upon receiving and verifying your request, we will erase (and instruct our partners to erase) your personal details from our records, unless there is a valid exception.
Right to Request Correction
You are entitled to ask us to fix any mistakes in the information you have provided. These errors could involve things like misspelled names, wrong phone numbers or addresses, or inaccurately spelled email addresses. After we receive and verify your request, we will make the necessary corrections.
Request to Opt-In
If you previously opted out of the sale of personal information but now wish to opt back in, you can do so by either
1. Calling 1-602-898-8818 during business hours of 8 a.m. to 5 p.m. on weekdays
2. Submitting a request on our website. A representative will then contact you within three to five days to gather any required information for verification and to process your request.
Furthermore, we will not disclose the personal details of individuals under the age of 16 without explicit consent from either the individual aged 13 to 16 or their parent or guardian. If you are the parent or guardian of a child under 13, you can authorize the sale of their information by submitting a signed consent form. Those who agree to the sale of their personal information can choose to opt-out at any time.
How We Verify Your Identity
More details will be needed for verification reasons. The exact details required may differ based on your connection with us, but will typically include your name, address, phone number, and date of birth. This information will be cross-referenced with our records. Only you or someone authorized by you can request access to your personal data. You can also make a request on behalf of your underage child.
· If you appoint someone to represent you in requesting information or deletion, you need to give us a notarized affidavit or a valid power of attorney.
· Responses to access requests will be given to the consumer directly. If you ask for specific information, you may need to complete a signed declaration confirming your identity under penalty of perjury.
If we cannot confirm your identity using the information you provided and the data in our records, we will inform you that we are unable to fulfill your request due to the inability to verify your identity.
How we’ll respond to your request
We aim to reply to a confirmed consumer request within 45 days of receiving it. If more time is needed (up to 45 additional days), we will notify you in writing with the reason for the extension. Our response will be sent by mail.
The information disclosed will typically pertain to the 12 months before the request was made. If we are unable to fulfill a request, we will explain the reasons for this in our response.
Non-Discrimination
We will not treat you unfairly for utilizing any of your CCPA rights.
Contact for More Information
If you have any further inquiries regarding our privacy policies and procedures, please reach out to us at 1-602-898-8818.
Hyperlinks/Third-Party Sites and Services
We have partnerships with other companies that allow you to visit their websites or mobile apps through our platforms. If you choose to access these sites from ours, you may need to provide personal information to use their services. By doing so, you may become a customer of that company and will need to adhere to their privacy policies.
Please note that we are not responsible for the privacy practices of these external sites or apps, even if our name or logo is displayed on them. We recommend being mindful of this when leaving our platform and suggest reviewing the privacy policies of each site or app you visit, as they may differ from ours. Our privacy policy only applies to our own websites and apps.
Security
Our policy is to limit access to your personal information to only those employees who need it to provide you with products or services or technical support. We ensure that employees with access to your personal information, such as your social security number, use measures to prevent unauthorized access or disclosure. Our employees are expected to uphold high ethical standards in their work, and we also require confidentiality from our service vendors. Encryption is used on certain parts of our websites to enhance security, especially when entering personal information. It is recommended to verify if a website uses encryption when providing confidential information for added security.
Logging In
Apart from the details you share with us, we also gather data on your actions when you are browsing our websites. When you are logged in, we track IP addresses (unique numbers assigned to your device when you go online), types of browsers and platforms, domain names, times of access, referral information (the previous site or URL you visited before coming to our site and the first site or URL you go to after leaving our site), and your interactions while using or exploring our site.
Push Notifications
You have the option to decide if you want to receive mobile push notifications from us. If you decide to change your preference later on, you can adjust your settings using your mobile device's functionality.
Interest-based ads
Interest-based ads are online advertisements customized to match your probable interests by analyzing your activity on different apps and websites online. When using a browser, data collected through cookies and web beacons is used to identify your potential interests. On mobile devices, tablets, or streaming media devices with advertising identifiers, this information is utilized to determine your likely interests. To manage your preferences regarding interest-based ads from us, refer to the "Cookies" section below.
Cookies
A cookie is a small message sent from a web server to your browser and stored on your computer's hard drive. When your browser requests a page from that server, the message is sent back. Many commercial websites use cookies to identify users, but they do not reveal personal information unless provided by the user or set up in browser preferences. You can choose to not accept cookies by adjusting your browser settings, but this may limit certain functions and require you to repeatedly enter information. Cookies help provide customized services by identifying users and tracking requests, inquiries, and traffic patterns. Web beacons are also used for online advertising management, allowing websites to recognize unique cookies on browsers to track which ads bring users to the site. The information collected is anonymous and does not include personal details like name, address, or contact information.
When you visit our website, third parties may gather personal information about your online activities across various websites over time. We may collaborate with these third parties to collect details like your IP address and browser information, and they may use cookies to provide you with interest-based content or ads. The cookies used by these service providers do not contain personal information but may include demographic or internet-based data in an anonymous form. This data from cookies could be connected to information you have provided to us, like your name or email address, which we may share in a secure format.To op-out of these data provider cookies, please go to https://www.aboutads.info/choices.
Location-Based Services
In order to offer location-specific products and services, we and our partners may gather, utilize, and distribute accurate location information, such as the live geographic position of your mobile device. Location-based services might utilize GPS, Bluetooth, IP address, as well as crowd-sourced Wi-Fi hotspot and cell tower locations, and other technologies to estimate your device's general location. Unless you give permission, this location data is gathered anonymously in a manner that does not reveal your identity and is utilized by us and our partners to deliver and enhance location-based products and services.
Legal Terms
We suggest that you review the relevant terms and conditions for using our websites and mobile applications, which cover the content on our sites and outline your responsibilities when using them.
Children and Minors
We do not actively seek to gather personal details from children under 13 years old and do not want to receive such information. If we discover that we have obtained personal information from a child under 13, we will promptly take action to remove the information.
Changes to our Privacy Notice
We have the right to modify this privacy notice as we see fit, and we will do so at least once a year. Any changes made to this notice will be posted on our websites and mobile apps, along with the updated effective date. By continuing to use our websites and apps after these changes are posted, you are agreeing to them.