When you use the Services, you may provide Company with two main types of information: (1) personal information that you knowingly choose to disclose, which is collected on an individual basis, and (2) general user information that does not contain personal information, which is collected on an aggregate basis as you browse and use the Services. We collect information from you when you (a) use and/or access the Services, (b) register an account and/or subscribe to Company, (c) open and/or respond to our emails, (d) contact Company, (e) visit any page online that displays our content, (f) make purchases through the Services, and/or (g) provide information to any of our service providers, customers, partners, and/or other users.
We may ask for certain personal information from you for the purpose of providing to you content and/or services that you request. We collect personal information such as your: (i) personal and/or business contact information); (ii) financial information; (iii) username and password; (iv) demographic information; (v) location information; (vi) property information; (vii) social security information; (viii) other various business information; (ix) preferences and behavior (such as record of comments, responses and questions asked); and/or (x) medical and/or health-related information. Once you register, you have opted in to receive electronic communications from Company. During the course of your use of the Services you will provide us with certain personal information of you and others. If you provide personal information of others, you represent and warrant that you have the necessary rights to share such information and will indemnify, defend and hold us harmless from any claims for any damages we suffer if you do not have the foregoing rights. As part of the SaaS Services, we provide access to our customers and their designated third party users (collectively, our “Users”) that track information related to insurance and risk in order to help our Users better understand, manage and minimize risk. In providing the SaaS Services to our Users, we store and process data that our Users submit to us or instruct us to process. We use such information in order to provide the SaaS Services to our Users pursuant to the terms of the written agreement between us and our customer, and we do not use this information for any other purpose. While our Users decide what data to submit, it typically includes insurance-related information such as claims, incidents, and policies, as well as related supporting documentation and analysis. This information may include personal information. When we provide our SaaS Services to our Users, in some instances we process personal information about third parties that is provided to us by our Users.
Session Cookies: Session Cookies are temporary and deleted from your computer when you close your web browser. They allow Company to link the actions of a user while using the Services.
Device Data: We use device data, which is information concerning a device you use to access, use, and/or interact with the Services, such as operating system type and/or mobile device model, browser type, domain, and other system settings, the language your system uses and the country and time zone of your device, geo-location, unique device identifier and/or other device identifier, mobile phone carrier identification, and device software platform and firmware information.
Aggregate: We may collect non-identifying and statistical information about the use of our Services, such as how many visitors visit a specific page, how long they stay on that page and which links, if any, they click on, system configuration information, and/or other interactions with the Services. This information represents a generic overview of our users, including their collective habits. Information collected in the aggregate is not associated with you as an individual. We are not liable for any recommendations provided on the Services
Analytics: We use analytic software to gather statistics and usage trends for product and service improvement purposes. The Services may record data from your phone, tablet, or computer such as how frequently you use the Services, what actions you take and performance data.
Other Tracking Technologies: We may supplement information you provide to us with information from other sources, such as information to validate and/or update your address, payment card and/or other demographic information. This information is used to maintain the accuracy of information on our Services and for internal analysis. We may also use clear gifs, pixel tags and web beacons, which are tiny graphic images placed on website pages and/or in our emails that allow us to determine whether you have performed specific actions and are further used to track online movements of our users. In contrast to Cookies, which are stored on your computer’s hard drive, clear gifs are embedded invisibly on web pages. We do not tie the information gathered by clear gifs to your personal information.
The information collected in the aggregate enables Company to better understand your use of the Services and to enhance your enjoyment. If you use the Services, you agree to receive certain communications from us including but not limited to the following:
Special Offers, Newsletters and Updates. We will occasionally send you information on products, special deals, promotions and newsletters. Out of respect for your privacy, you may elect not to receive these types of communications by contacting us at email@example.com.
Customer Service. Based upon the personal information you provide us, we will communicate with you in response to your inquiries and reviews, to provide the services you request and to manage your account. We will communicate with you by email or telephone, as you may elect. Customers can reach Company by email at firstname.lastname@example.org, and/or by phone at 847-483-1572.
Service Providers. We may share the personal information provided by you and/or collected during the course of your use of the Services as well as information from tools like Cookies, log files, and device identifiers and location data (such as usage data, referring/exit pages and URLs, platform types, number of clicks, etc.), with employees, contractors, and/or agents that help Company provide the Services to you ("Service Providers"). Our Service Providers will be given access to your information as is reasonably necessary to provide the Services. Certain Service Providers will automatically collect non-identifying information about your use of the Services and Company shall not have any liability related thereto.
Business Transfer. If we sell or otherwise transfer part or all of Company or our assets to another organization (e.g., in the course of a transaction such as a merger, acquisition, bankruptcy, dissolution, liquidation, etc.), your information such as name and email address, user content and/or any other information collected through the Services may be among the items sold and/or transferred.
We respect your privacy and give you an opportunity to opt out of receiving announcements of certain information. Although we think that you will benefit from a more personalized experience when we know more about you and what you like, you can limit the information you provide to Company, and you can limit the communications that Company sends to you. If you either provide us with personal information during the course of your access to and/or use of the Services visit the website and volunteer personal information, you can opt out of receiving notifications. We will honor any statutory right you might have to access, modify or erase your personal information by contacting us at email@example.com Individuals wishing to review, edit, supplement or delete their personal information as provided to us by our Users during the course of such Users use of the SaaS Services should contact the applicable User that provided this data to us. Alternatively, such an individual can contact us at firstname.lastname@example.org and we will work with the User to respond to the request. However, note that we are contractually bound to our customers to maintain the confidentiality and integrity of the personal information that we store during the performance of the SaaS Services, and any such request from an individual that is not our customer would need to be approved by our customer, except as otherwise required by law. Please be aware that even after your request for a change is processed, Company may, for a time, retain residual information about you in its backup and/or archival copies of its database, and reserves the right to access and utilize collected user data in the future. Please be aware that we may still email you non-commercial emails related to your account and your transactions through the Services. Following termination and/or deactivation of your account, Company may retain collected information and data (including without limitation your profile information) for a commercially reasonable time for backup, archival, and/or audit purposes, and reserves the right to access and utilize collected user data in the future. In some cases, if you choose not to provide Company with requested information, you may not be able to use and/or access all of the Services.
Under California Consumer Privacy Act (“CCPA”), California residents are entitled to receive the right to access and obtain a copy of your personal information. You may write us and ask for records of any and all personal information. The CCPA requires businesses to disclose (1) the categories of personal information the business collected about Individuals, (2) the categories of sources from which personal information is collected, (3) the business or commercial purpose for collecting or selling personal information, (4) the categories of third parties with whom the business shares personal information, and (5) the specific pieces of personal information the business has collected about the Individual. To obtain such information from Company, please email your request to email@example.com and we will provide a list of categories of personal information disclosed within thirty (30) days of receiving such a request. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted in ways other than those specified above. The following exceptions may prevail with respect to fulfillment of data access requests: (a) Company may not provide personal information to an Individual, if management determines that we cannot identify the Individual in our systems because the data we have has been de-identified to the extent that identification is not possible; and/or (b) Company may not provide personal information to an Individual, if the Individual is involved in a civil or criminal proceeding with Company.
Children and Minors. The Children’s Online Privacy Protection Act (“COPPA”) requires that online service providers get parental consent before they knowingly collect personal information online from children under the age of thirteen (13). Company does not knowingly collect personal information from children under the age of thirteen (13). You represent and warrant that you are at least thirteen (13) years of age, provided that if you are under eighteen (18) years of age, your use of the Services is subject to requirements of parental consent. We may, in our sole discretion, refuse to offer the Services to any person and/or entity and change its eligibility criteria at any time. If we learn that we have collected personal information from a child under age thirteen (13), we will delete such information as quickly as possible. If you believe that a child under the age of thirteen (13) may have provided us personal information, please contact us at firstname.lastname@example.org.
We work hard to secure your personal information from unauthorized access to and/or unauthorized alteration, disclosure and/or destruction of information we hold. Company has adopted appropriate physical, electronic and managerial procedures to safeguard and secure the personal information we process. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. Your account is protected by password for your privacy and security. We periodically review our information collection, storage and processing practices, including physical security measures, to guard against unauthorized access to systems. Company, meets the security standards as required by the Health Insurance Portability and Accountability Act (HIPAA) for all interactions subject to HIPAA security regulations, that apply to Company. We use a variety of technologies and procedures to help protect the security of your personal information from unauthorized access, use, or disclosure. Company takes reasonable and appropriate precautions, considering the risks involved in the processing and the nature of the personal information, to help protect personal information from loss, misuse and unauthorized access, disclosure, alternation and destruction. Because the internet is not a completely secure environment, Company cannot warrant the security of any information you transmit to Company or guarantee that information on the Services may not be accessed, disclosed, altered, and/or destroyed by breach of any of our physical, technical and/or managerial safeguards. Please do your part to help Company. You are responsible for maintaining the secrecy of your unique password and account information, and for controlling access to emails between you and Company, at all times. Please limit your access to your computer and/or mobile device and/or browser by signing off after you have finished accessing your account. We are not responsible for the functionality, privacy and/or security measures of any other organization.
We will retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period for personal information, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorized use and/or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal requirements. In some circumstances we may anonymize your personal information (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this information indefinitely without further notice to you. We may retain information (including without limitation your personal information) for a commercially reasonable time for backup, archival, audit purposes, and/or to comply with legal obligations, resolve disputes and enforce agreements. In some cases, if you choose not to provide Company with requested information, you may not be able to use and/or access all of the Services. You can request further details of retention periods for different aspects of your personal information by contacting us. Notwithstanding the foregoing, Company reserves the right to retain your personal information indefinitely.