Privacy Policy

Privacy Policy

Effective Date:  August 19, 2024

This privacy notice tells you what to expect Insurent® Agency Corporation, an MRI Software LLC  Company (“MRI,” the “Company,” “we,” “us,” or “our”) to do with your personal information as it relates to Insurent by MRI Software LLC  when you apply for and receive the Insurent guarantor insurance services (the “Service”).  We will endeavor to protect and develop or use technology that provides a safer online experience for the customer/consumer (“you” or “your”) and have created this privacy statement (the “Privacy Policy”) to demonstrate its firm commitment to secure and trustworthy Internet commerce and the individual’s privacy.

Personal information is information that could identify you.  Under applicable law, we have to have a valid reason to use this personal information.  The information is collected in a number of ways, which will be described below.  You have rights with respect to the personal information, which will be described below in further detail.

By providing information to us for the use of our Services or by continuing to use this web site and any web pages and content therein (collectively, the “Site”), you consent to the terms of MRI’s Privacy Policy and to MRI’s collection and processing of personal information for the purposes set forth below, including the right to sublicense the personal information to third parties, subject to all legal restrictions regarding such use and disclosure.

Revisions

MRI reserves the right to change this Privacy Policy at any time without notice to you, and MRI will post any changes to this Privacy Policy on this Site as soon as they go into effect. We encourage you to review the Privacy Policy regularly for any changes.

Categories of Personal information

When you use or endeavor to use our Services or interact with the Site we may gather personal information including:

  • application information, such as
    • your personal physical address, phone number, and email address
    • your current and/or former employer(s) name(s) and your work address, phone number, and email address
    • your birthday and age
    • your gender and sex
    • data about your criminal history or conviction information
  • your Internet Protocol (IP) address, online user identification profile, browsing behavior (including visits, pages viewed, clicks, time spent), details of which version of web browser you used, and your views of our digital advertisements when browsing other sites
  • information on how you use the Site, using cookies and page tagging techniques (See Use of Cookies below)
  • your log in credentials, such as your user name, when you access a restricted content section

 

Categories of Sensitive Personal Information

We may collect the following information directly from you when you specifically and knowingly provide it to us as part of the application information for the purposes of providing our Services.

  • your Social Security Number or other unique identifier
  • images of and information on your government identification (including, but not limited to, your passport, driver’s license, or state identification card)
  • your bank account number(s) and your credit card number, including your Primary Account Number, as well as other financial information related to your income, asset information, or other similar information

How We Collect Your Personal Information

We collect your personal information:

  • Directly from you when you interact with the Site and when you communicate directly with MRI
  • From our clients who refer you to us for the provision of our Services who are authorized to share information with us for that purpose.
  • We may also receive information about you from our vendors and partners who are authorized to share such information with us. If you wish to receive a list of which vendor or partner has provided us information about you, please do so here.

Use of Cookies

MRI uses cookies to help us provide better customer service and to enhance the user experience and deliver personalized content. Many improvements and updates to this Site are based on the data collected through the cookies, such as total number of visitors and pages viewed. A “cookie” is a small text file stored locally in the computer used to access your account, and contains information relating to your past use of this Site. MRI may disclose the non-personally identifiable information collected, in aggregate form only, to third parties including advertisers or potential advertisers. You have the ability to accept or decline cookies. However, if you choose to decline cookies, you may not be able to fully experience the interactive feature of this Site or the Services you visit.  To learn more, please see our Cookies Policy.

How we use your data

The personal information that you provide to MRI, may be stored, processed, and used by MRI and its affiliates in order to evaluate, process, and maintain your applications, renewal, and/or claims submitted for the Services based on our or our vendors’ guidelines (see “Parties that we engage to process your data” for more information).

We share your personal information with the insurance provider in order to complete your application transaction as part of the Services. The insurance provider processes your personal 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 personal information for any purposes other than processing, evaluating and accepting your application and issuing the insurance.

MRI may also store, process, and use your personal information for the following purposes:

  • to provide information about our company, products and/or services, including updates, notifications, details of any offers or promotions, and order completion
  • to assist us in improving our products, the content of this Site, or the Services
  • for our own internal marketing and research purposes
  • to make this Site or the Service easier to use by eliminating the need for you to repeatedly enter the same information or by customizing this Site or the Service to your particular interests or preferences
  • to analyze information for trends and statistics
  • to fulfill your request for information
  • to enable the processing of your payment information provided by you while using our Site or the Services
  • MRI deems reasonably necessary to comply with applicable law, enforce/protect our rights, privacy, safety and the rights, privacy, safety of other users. We may also provide this information to an agent acting on MRI’s behalf in connection with the activities described above, if permitted under law.

 

What do we do with your data

We have offices all over the world, which work together to provide top of the line services to our customers.  As such, some of your personal information may be processed overseas.  Our security standards apply to all of our MRI offices and MRI employees. All transfers of personal information overseas shall be done after assurance of meeting such security standards and in accordance with applicable laws related to such transfer.  A full list of postal addresses for MRI can be found here.  Additionally, MRI adheres to the EU-US Data Protection Framework Program Principles and the UK Extension to the EU-US Data Protection Framework Program, and the Swiss-US Data Protection Framework Program developed by the United States Department of Commerce and the European Commission, the UK Government, and the Swiss Federal Administration with respect to personal information that is transferred from the European Economic Area to the United States within the scope of MRI’s Data Privacy Framework certification. Read more about our policy here.

Parties that we engage to process your data

MRI will occasionally hire other companies, which may use cookies, to provide limited services on our behalf in order to provide the Services to you, such as running consumer credit reports, processing applications for the Services.  MRI will only provide those companies the personal information they need to deliver the service and shall be subject to all applicable laws related to such transfer.  These companies are:

Processor Description of Processing Location
AWS Cloud storage USA
Marsh IAS Management Services (Bermuda) Ltd. Provider for Bahamas insurance services Bermuda
Argonaut Insurance Company Underwriter of Rent Insurance Guarantee  
Heartland Payment Systems Used to process payment for credit cards for premium payments USA
appian Software used to create and process the application for the Services USA
Princeton Blue Consulting firm utilized to develop and maintain the Services platform USA
Microsoft Email provider and word processing services USA
WordPress Backend platform that consumers can upload documents to which interfaces with apian. USA
DocuSign Used for signing agreements USA
Unified Infotech Web development and management USA
ThoughtFocus Support services USA, Philippines

 

Except as described above, MRI will not sell, rent, or in any way intentionally disclose personal information that you provide to us on this Site to any third party (other than an agent acting on our behalf as described above), unless: (a) MRI is required to do so by law, regulation, warrant, subpoena or court order, (b) MRI is required in urgent circumstances to protect the personal safety of MRI  employees, users of MRI products or services, or members of the public, or to enforce provisions of the Terms of Use; or (c) such disclosure is part of a sale or transfer of all (or substantially all) of the assets or stock of MRI  or one or more divisions or affiliates of MRI .

YouTube API

Some of the Sites provide you with the ability to utilize YouTube API services. By using the YouTube API services, you agree to both the YouTube Terms of Service as well as the Google Privacy Policy. For users of the YouTube API services, you may access the Google security settings page to manage your data.

Children’s Privacy

MRI’s Site and Services do not target, and are not structured to attract, children under the age of 16. MRI does not collect any registration information from users who indicate they are under the age of 16. If MRI discovers personal information from a child, MRI will eliminate that data. If you enter information about your child, or a child to whom you are the legal guardian, into our software or services, that is deemed to be consent to the collection and processing of that data.  We will not sell the personal information of any person who we know is under the age of 16 without express, valid authorization.

What are your rights?

Under data protection law, you have certain rights over your personal information. The rights available to you depend on your state of residency/citizenship and our reason for processing your information.  Please note that this is a comprehensive list of all rights that might apply and not a guarantee that all rights do apply to you under applicable law. Where applicable law allows, a verified authorized agent may exercise these rights on behalf of another person.

  • You have a right to be informed about the personal information that we are collecting about you. To receive such information, please file a request here.  You may also submit your request via email or post to the contact information listed at the bottom of this section.  We aim to proactively provide some of this information to you with respect to personal information collected through the Site and the Services.  Please see the sections titled “Categories of Personal Information” and “Categories of Sensitive Personal Information” to see what sources from which we collect personal information about you.  Please see the section titled “What we do with your data” to see the business or commercial purpose for sharing or selling personal information.  Please see the section titled “What we do with your data” and “Parties that we engage to process your data” to see the categories of third parties with whom we share the personal information collected.
  • You have a right to see what specific pieces of personal information we have collected and currently hold about you. If you wish to receive a copy of the specific pieces of information that we have collected and currently hold about you, please file a request here. You may also submit your request via email or post to the contact information listed at the bottom of this section.  Once verified, we will promptly deliver to you a copy of that information.  You may file a request no more than twice within a twelve month period.  Please note that we will send such information in a secure manner, which may require additional verification steps on your part to access such information but will not require the creation of an account with us.
  • You have the right to correct the personal information we have collected and currently hold on you. You may submit a request for correction here. You may also submit your request via email or post to the contact information listed at the bottom of this section.
  • You have the right to have your personal information deleted. You have the right to ask us to delete your personal information.  Once verified, we will promptly delete your personal information, provided it does not fall into a category of data that is an exception to the deletion requirements under law.  To submit a request for your data to be deleted, you may submit a request here  You may also submit your request via email or post to the contact information listed at the bottom of this section.
  • You have the right to know if your personal information is shared or sold. To find out how and to whom your specific information has been provided, you may submit a request here.  You may also submit your request via email or post to the contact information listed at the bottom of this section.  Once verified, we will promptly deliver to you a copy of that information.  Notwithstanding the anything contained in this policy, data obtained through MRI’s RentReminders short code services will not be shared with any third-parties for their marketing purposes.
  • You have the right to opt out of the sale and sharing of your information. Please note that opt-out requests do not apply to the collection or sharing of personal information with our service providers. You have the right to opt out of the future sale of your personal information.  If you wish to opt out of such sale (if any), please opt out by submitting a request at: Do Not Sell My Personal Information.  You may also submit your request via email or post to the contact information listed at the bottom of this section. We will not require you to create an account in order for you to opt out.  Once we have received a verified request to stop selling your personal information, we will stop the sale of your personal information (if any).  We will not restart such sale without our authorization, which we may not request within twelve months of receiving your opt out notice.  You may see additional information about such right to opt out under §1798.120 and §1798.135 of the California Consumer Privacy Act of 2018.  Please note that such opt out for not apply to the collection of personal information, nor the sharing of personal information with our service providers as long as such service providers do not sell your personal information.
  • You have the right to appeal a refusal to take action on your request. You may have the right to appeal a decision by MRI to not take action on a verified consumer request where you believe you were incorrectly denied access, correct, deletion, portability, restriction of sale or sharing, or any other right you have under applicable data law. The appeals process can be found here.
  • You have the right to non-discrimination. We will not discriminate against you for exercising any of your rights.

You are not required to pay any charge for exercising your rights.  Please know that we may need additional information in order to verify the legitimacy of your request, verify your identity, or accurately match the personal information to the party to whom it belongs.  In such cases, we will contact you for additional details (if you have provided your contact information).  In order for us to effectuate your requests in a timely manner, you will need to provide such additional information promptly. Information provided to us for the purposes of exercising one of your rights will only be used to carry out your request under your rights.

Unless otherwise stated, MRI is the business (as defined under California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act) for the personal information we collect and process through the Sites and the Services.  There are many ways you can contact us, including by phone, email, and post. Full contact details can be seen here.

California’s Shine the Light Law

California Civil Code Section 1798.83 permits users of our Site that are California residents to request certain information regarding our disclosure of the information you provide through the Site to third parties for their direct marketing purposes.

Exercising your rights

If you wish to exercise your rights or raise a concern, please contact us:

By submitting a request online

By email: MRIDataPrivacyPractitioner@mrisoftware.com

By post:
MRI Global Headquarters:
28925 Fountain Parkway
Solon, OH 44139
There may be an MRI office closer to your location.  A full list of postal addresses for MRI can be found here.

By phone:
(800) 321 8770
There may be an MRI phone number within your country code.  A full list of postal addresses for MRI can be found here.

Alternative privacy policies

For uses of MRI’s general website and for products other than Insurent, you can find our applicable privacy policies outlined in either the MRI Privacy Policy (Americas, Asia, Australasia) or in the MRI Privacy Policy (UK, Europe, Africa).

 

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