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Protecting your privacy is one of our top priorities. We have designed our Web site to protect your
privacy while at the same time providing the service and support necessary to ensure that you are
fully satisfied with our products and services. We collect information from you to allow us to provide
the products and services that you will purchase or have purchased through us. This Privacy Policy
applies to all information we collect from you, regardless of whether you purchased a product through
us or not. We have taken the following measures to ensure that your personal information is secure.
We protect information provided to us on this Web site in the same way as we protect information provided
to us over the telephone or any other way.
WHAT INFORMATION WE COLLECT
You are free to browse our Site without providing any information about yourself to us and without
providing any information about yourself to us and without registering. In order to use our products
and services, however, you must register and provide certain personally identifiable information
("Personally Identifiable Information"). Registration is free. Additional information is collected
as it is needed to process your application for our products or services.
Registration Information
We require that you provide your first and last name ("account name"), address (i.e. street address,
city, state, country and zip/postal code), telephone number, and email address in order to register
on our Site.
Application Information
We collect additional Personally Identifiable Information from you when you apply for a particular
product or service. The information required may vary, but it generally includes specific information
needed to process and evaluate your application, including your social security or other identification
number, your date of birth, and information about your past job history, your rental history and your
credit history. We also collect information about your transactions with us, our affiliates or others
and information from third parties such as credit bureaus.
Cookies
Cookies are small files that are stored by your web browser to help a particular system recognize
you and the pages you visited in a web site. Our site uses "cookies" to make your online application
more convenient. For example, we use a cookie to store your login information between sessions and
to maintain information about the information that you've requested during your session. Additionally,
we use data from cookies for a variety of internal purposes, such as studying how users navigate our
Site. If your browser is set to reject cookies, you will not be able to make application from this
Site.
Our "cookies" can in no way learn everything about you or what is on your computer's hard drive.
And our cookies are recognizable only by our systems - another web site or server will not pick up
information stored there.
Children
We do not knowingly allow children to submit applications for products or services through our Web site.
If you are under 18, you may not use this Web site to purchase products or services.
HOW WE USE YOUR INFORMATION
To Process, Evaluate and Maintain Applications
We collect your registration and application information in order to process, evaluate and maintain
your applications for our products or services based on our Insurance Provider's underwriting
guidelines. Disclosure of your Personally Identifiable Information is not transmitted to our
Insurance Provider unless you make an application either through this Site or via telephone or
fax.
We save the information gathered from your registration and application to make future transactions
more convenient for you. Saving the information allows us to pre-populate certain fields and make
your next transaction faster and easier to complete. (Read further under "How We Protect Your
Information" for details regarding the security of your saved information.)
How The Insurance Provider Uses Your Information
We share your Personally Identifiable Information with the Insurance Provider in order to complete
your application transaction. The Insurance Provider processes your Personally Identifiable
Information according to its particular underwriting guidelines and operating policies and
transmits the results of your application to us. We then deliver those results to you. Our
agreement with the Insurance Provider prohibits it from using your Personally Identifiable
Information for any purposes other than processing, evaluating and accepting your application
and issuing the insurance. For example, the Insurance Provider will not use Personally
Identifiable Information collected by us to telemarket their services to you, and will not
place you on their mailing list.
Notification of Other Services and Products
The primary reason we collect your e-mail, telephone number, and/or postal address is to notify you
about application results and/or communicate other important information. Occasionally, we may also
use your postal and/or e-mail address to inform you about products and services available through us
or the Insurance Provider. Although we may send marketing offers on behalf of other businesses, our
affiliates and ourselves to you from time to time, we do not give unaffiliated third party businesses
your Personally Identifiable Information except as described in our Privacy Policy. If you do not want
to receive such marketing notifications, you may opt-out by simply contacting us by using our
"Contact us" page or by writing us at Insurent Agency Corporation, 122 East 42nd Street, Suite 3600,
New York, NY 10168. You may not opt-out of receiving communications from us regarding your application
transaction or other messages which are not direct marketing offers.
SHARING YOUR INFORMATION
Sharing Personally Identifiable Information.
We are not in the business of selling, renting or sharing your Personally Identifiable Information
to or with others. We do not reveal Personally Identifiable Information about you to unaffiliated
third parties, unless: (1) you request or authorize it; (2) the information is provided to help
complete a transaction for you; (3) the information is provided to comply with the law, applicable
regulations, court orders or subpoenas, to enforce our Terms of Use or other agreements, or to protect
our rights, property or safety or the rights, property or safety of our users or others (e.g., to a
consumer reporting agency for fraud protection etc.); (4) the disclosure is done as part of a purchase,
transfer or sale of services or assets (e.g., in the event that substantially all of our assets are
acquired by another party, customer information may be one of the transferred assets); or (5) the
information is provided to our agents, outside vendors or service providers to perform functions
on our behalf (e.g., analyzing data, providing marketing assistance, providing customer service,
etc.).
The Fair Credit Reporting Act permits us to share certain information about you with other companies
with which we are affiliated or other subsidiaries. This information includes information from your
application as well as information about our transactions with you. If you do not want us to share
this information with affiliated companies, other than as permitted by law, you can opt-out by simply
contacting us by using our "Contact us" page or by writing us at Insurent Agency Corporation, 122 East 42nd Street, Suite 3600, New York, NY 10168.
Sharing Non-Personally Identifiable Information.
We may share with third parties information, including how you use our Site, which is based on our
experiential or other data which does not personally identify any of our users. We may share this
non-personally identifiable information with our agents, outside vendors or third parties who perform
functions on our behalf (such as providing marketing or customer assistance). Such statistics contain
no personally identifying information.
Legal Process.
Except as required by law or as described above, we do not share information with other parties,
including government agencies. We will release customer information, including Personally Identifiable
Information, if required or permitted to do so by law, to comply with legal processes served on us or in
the good-faith belief that such action is required or appropriate to protect and defend the rights,
property or safety of our company, our customers, or the public. This includes, but is not limited to,
providing information required for fraud protection and credit risk reduction.
A Secure Site and a Secure Data Environment
While no security system is 100% guaranteed, we utilize several state-of-the-art tools to protect your
information. Strict security measures are employed whenever member or provider data is collected and
transmitted. We have procedures limiting employee access to Personally Identifiable Information to those
employees who have a business reason to know such information about you. We train our employees about the
importance of confidentiality and maintaining the security of your information. It is also important for
you to help protect against unauthorized access by signing off of our Site each time you finish using the
Site and not sharing your password or PIN with others.
While we take reasonable measures to prevent the loss or misuse of the information that you provide to
us, including but not limited to, your Personally Identifiable Information, due to factors beyond our
control, we do not guarantee that your Personally Identifiable Information or any other information
collected by us will be completely secure from misappropriation by hackers or other third parties or
from other criminal activities.
Security Over the Internet
We utilize an Internet security technology known as a Secure Sockets Layer (SSL) protocol to help
protect your information. The "s" in the "https" address of our Web pages, as well as the browser
security notices displayed by Netscape and Internet Explorer, indicate that SSL is in use. We also
employ 128-bit encryption, which means that your information is transmitted over the Internet as a
meaningless string of characters. Even if your information were intercepted over the Internet, it
would not be understood.
Security Audits and Standards
Although we cannot guarantee the security of any data that is transmitted over the Internet, we utilize
comprehensive security measures to protect your information. To help achieve this objective, we
routinely commission third-party security audits to make sure member information is safe. We have
also enrolled with VeriSign, a company that sets strict standards for conducting secure communications
and transactions over the Internet.
Firewall Protection
Once we have your information, we store it in a secure database behind a "firewall." A firewall is
simply a software and hardware product that limits access by outside computers. Only authorized
personnel have access to this information.
Password (PIN) and Username Verification
An additional step to protect your information is the use of a unique username and password (or "PIN")
for each individual member. This helps prevent someone from entering the site, pretending to be you.
Should you ever forget your PIN, please notify us at the "Contact us" page.
DISCLOSURES
Conditions of Use, Notices and Revisions
As our business changes from time to time, this Privacy Policy and the Terms of Use are expected to
change from time to time, and we reserve the right to change the Privacy Policy and Terms of Use at
any time. The use of your information is subject to the Privacy Policy and Terms of Use in effect at
the time of use. The provisions contained herein supersede all previous notices or statements regarding
our privacy practices. We may email periodic reminders of our notices and terms and conditions and post
any changes to the Privacy Policy and the Terms of Use on our Site. We encourage you to check our Site
frequently to see the current Policy in effect and any changes that may have been made to it.
All personal information in our database will be subject to the new terms.
An "As Is" Web Site
Use of this Site, its software, products, and services is provided "as is." Neither we nor the
insurance provider nor any of our affiliates or subsidiaries cannot be held liable for any direct,
indirect, punitive, incidental, special, or consequential damage or other injury arising out of or
in any way connected with the use of this Web site.
Disputes
By choosing to visit our Site you agree that any dispute over privacy or the terms contained in this
Privacy Policy, our Terms of Use (incorporated herein by reference) or any other agreement we have
with you, will be governed by the law of the State of New York. In the event of any conflict between
the terms and conditions of this Privacy Policy and the Terms of Use, then the Terms of Use shall
control. You also agree to arbitrate such disputes and to abide by any limitation on damages contained
in our Terms of Use or other agreement we have with you.
Copyright © 2007, Insurent Agency Corporation. All Rights Reserved.
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