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Privacy PolicyLast Updated November 24th, 2003InsuranceNetCenter, INC seeks to provide you with:• Effective, convenient comparative shopping for financial services; • value, by empowering you to make informed choices including "apples to apples" comparisons; and • options in how the services are provided to you. We have created
our Privacy Policy with these goals in mind. We appreciate your
trust, and we treat your information with care and sensitivity.
When you use this Web site, you consent to the use of your personal
information by InsuranceNetCenter, INC in the manner set forth in
this Privacy Policy. This policy may change periodically, so please
check back from time to time. For your information, the date of
the last update to this Privacy Policy is stated at the top of this
document. In addition to this Privacy Policy, your use of the site
is also subject to our Terms and Conditions
of Use. What information do we collect?Here are the types of information we gather. • Information You Give Us: We receive and store any information you enter on our Web site or give us in any other way. When you request a quote or purchase financial services on this site we ask for your personally identifiable information such as your name, phone number, address, e-mail address and social security number. • Transaction Information: This is information directly relating to the financial services you acquire using our services. It includes services provided to you and associated costs, payment history, insurance claims history, and information necessary for ongoing service, billing and payment. • Consumer Report Information: In order to provide you with a quote our financial service providers may order consumer reports relating to your credit, driving record and loss history. If you request they will provide you with the name and address of the consumer reporting agency from whom the reports were ordered. By obtaining quotes or applying for financial services on our site, you are consenting to the ordering of such reports. • Automatic Information: We receive this information from your computer when you visit our Web site, including the Web site you visited before ours, your browser, screen resolution, and operating system. We also store "cookies" on your computer to save information entered during the quoting and comparative rate process, and collect technical data, such as your Internet protocol (IP) address, operating system, and session ID. • Information from Other Sources: We will receive information from those referring you to us. We will keep and update information necessary to provide comparative quotes and to service financial services. We might receive information about you from other sources and add it to our account information. How do we use this information?We use your personal information to create your quote. We transmit this information to participating financial service providers to quote and ultimately provide you with the financial services you select. We may share aggregated statistical information from our database with our participating financial service providers or business partners (for example, the percentage of customers who purchased services relative to those who got a quote). When doing this type of reporting we will not disclose your personally identifiable information. All information you give us on this Web site is stored on our computer servers. You may, for example, retrieve this information to get an updated quote (see below). Our business changes constantly. This Privacy policy will change also, and use of information that we gather now is subject to the Privacy Notice in effect at the time of use. We invite customers to visit the website occasionally to check for program changes and the latest Privacy Statement. Please note that this Privacy Policy only governs the data held by InsuranceNetCenter, INC and does not apply to the participating financial service provider once you purchase their services. We encourage you to read their policies. We use your e-mail address to confirm your purchases and to provide you reminders about our products and services. You can opt out of receiving future e-mail reminders from InsuranceNetCenter, INC by contacting us and requesting an opt out Can you correct and update your information?You can always choose not to provide personal information, even though it might be needed to obtain a quote or obtain service. You can contact us by utilizing the information provided on our Contact Us page if you need to make corrections to your information.
Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, InsuranceNetCenter, INC cannot ensure or warrant the security of any information you transmit to us or any information provided by our on-line products or services, and you do so at your own risk. InsuranceNetCenter, INC will not be liable for disclosures of your personal information due to errors in transmission or unauthorized acts of third parties. However, once we receive your transmission, we make our best effort to ensure its security on our systems. It is important for you to protect against unauthorized access to your password and to your computer. Be sure to close all browser applications when finished using a shared computer. With whom will we share this information?Information about our customers is an important part of our business, and we are not in the business of selling it to others. We disclose information about you to the following people: • The financial service providers who may be providing comparative rates to you. They may in turn disclose this information to others to complete a quote, complete a transaction, and service you after that transaction. The information sought may include credit reports, motor vehicle reports, previous claims activity and other relevant information. The parties providing this information include affiliated insurance underwriting companies, claims representatives, independent contractors, insurance support organizations, insurance agents and brokers, and courts and government agencies. • We may also disclose quote information and transaction information about you and our former customers to companies that perform marketing services on our behalf or to third parties with whom we have joint marketing agreements, and to companies that have referred you to us or that have a relationship with you. • As we continue to develop our business, we might sell or buy other companies or assets. In such transactions, customer information generally is one of the transferred business assets. Also, in the unlikely event that InsuranceNetCenter, INC, Inc., or substantially all of its assets are acquired, customer information will of course be one of the transferred assets. • We employ other companies and individuals to perform functions on our behalf. Examples include fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, analyzing data, providing marketing assistance, processing credit card payments, and providing customer service. These companies have access to personal information needed to perform their functions, but may not use it for other purposes. • Aggregate Information: InsuranceNetCenter, INC shares the information you provided in aggregate form, to serve ads and to provide on-line and off-line promotions. When we say that we will share such information in "aggregate" form, we mean that we will not disclose individual names, addresses, telephone numbers, email addresses, or other personally identifiable information unless we have your permission. • We release account and other personal information when we believe release is appropriate to comply with law, or to protect the rights, property, or safety of our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction. We may also share information with other third parties to administer our business, and as otherwise permitted or required by law. • Information about our customers and formers, and information about consumers who do not purchase products from us, will be disclosed only as permitted or required by law. • We may disclose information to affiliated and non-affiliated insurance companies, insurance agents, reinsurance companies, government entities, and claims administrators. We may also disclose information to nonaffiliated third parties that perform services or functions on our behalf including the marketing of our products or services, or to other financial institutions with which we have joint marketing agreements. The following are examples of situations in which we may disclose information: • Your information may be passed between us and our agents, appraisers, attorneys, investigators, and others who may be involved in the processing of your application and servicing of your policy or claims. • We provide your policy information to adjusters and other appropriate business entities that make any necessary repairs to your vehicle when you are involved in a claim. • We may provide your information to others whom we determine need such information to perform insurance or other professional functions for us. These may include parties helping us with administrative services and financial institutions with which we have joint marketing agreements. • We may supply information as required by search warrant, subpoena, or legal process, with state insurance departments, or other law enforcement or government authorities when required by law, or to protect our own legal interests in the event of suspected illegal or fraudulent activities. Links to other Web SitesDuring your visit to our site, you may come across links that will take you to third-party Web sites. InsuranceNetCenter, INC does not control the content of or the information collected from these third-party Web sites. These third-party Web sites are not subject to InsuranceNetCenter, INC's Privacy Policy. Links to third-party sites do not constitute sponsorship, endorsement, or approval by InsuranceNetCenter, INC of the content, policies, or practices of such sites. Therefore, we encourage you to review the privacy policies of these sites before you disclose your personal information to these other parties. ChildrenInsuranceNetCenter, INC does not sell products for purchase by children nor is this site intended for use by children. InsuranceNetCenter, INC abides by the Children's On-Line Privacy Protection Act. Terms and Conditions of Use, Notices, and RevisionsIf you choose to visit InsuranceNetCenter.com, auto-insurance-information.net, or any of its wholly owned and operated websites, your visit and any dispute over privacy is subject to this Policy and our Terms and Conditions of Use, including limitations on damages, arbitration of disputes, and application of the law of the state of Maryland. If you have any concern about privacy at InsuranceNetCenter.com, please send us a thorough description to service@insurancenetcenter.com, and we will try to resolve it. We may e-mail periodic reminders of our notices and conditions, unless you have instructed us not to, but you should check our Web site frequently to see recent changes.
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