Privacy Policy
Updated: February 18, 2020
Thank you for visiting policypine.com (the "Site", “Domain”, “we”, “us”). This Privacy Policy ("Privacy Policy") covers our treatment of personal information and other information that we collect when an end-user visitor to the Site ("User," "you" or "your"): (a) accesses or uses the Site; (b) accesses and/or views any of the: (i) links to third-party auto insurance-related resources and other information; and/or (ii) blog posts, text, video and/or other information pertaining to insurance-related products and/or services made available on the Site ( the "Content"); (c) utilizes the various contact forms and/or contact information made available on the Site as a means to contact directly, or request to be contacted by, Domain and/or Domain’s third-party auto insurance-related product and/or service providers, advertisers, and online aggregators (“Third-Party Service Provider”).
IF YOU DO NOT AGREE TO TERMS OF THIS PRIVACY POLICY IN THEIR ENTIRETY, YOU MAY NOT ACCESS OR OTHERWISE USE THE SITE AND SERVICES.
Information We Collect
When you access our Site, contact us, or submit your information using a request form for an insurance quote (collectively, "Services"), we collect personal information about you. Personal information is information about an individual from which that person can be identified. We may also receive personal information about you from other sources. We may combine the personal information you provide to us with information that is collected through automated methods and with information we receive from other sources. Information we collect about you may include:
- When you request a quote: We collect personal information when you access certain parts of the Site and complete the required information request form and/or otherwise provide such information to us. As part of the quote request form, User may be required to submit, and we may collect, some or all of the following information: (a) the User’s e-mail address; (b) the User’s full name; (c) the User’s telephone number; (d) certain information pertaining to User’s vehicle and insurance needs; and (e) any other information collected via the quote request form. We use this personal information to connect you with an insurance company or other advertiser who can assist you in your insurance search, and for other matters described in this Notice.
- When you contact us: When you contact us with questions about our Services, our business, or other matters, we will use any personal information you provided us, including, for example, your name, email, and phone to resolve your request or answer your questions, or to provide additional information related to your inquiry. We may place you on our marketing list for information related to your inquiry or which we otherwise believe would be of interest to you, and we may otherwise use your personal information as described in this Notice. You will always have the opportunity to opt-out of receiving communications from us by following the instructions provided in our communication.
- Information we automatically collect through our Site and Services: As is true with many websites and applications, our Site automatically collects certain information about your equipment, browsing actions, and patterns, including details of your visits, including traffic data, location data (if enabled), logs, and other communication data and the resources that you access and use on our Site, and information about your computer, mobile device, internet connection, including your IP address, operating system, and browser type. We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).
The technologies we use for this automatic data collection may include:
- Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you use the Site or Services.
- Web Beacons. Pages of the Site may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
The information we collect automatically is only statistical data and does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve the Services and to deliver a better and more personalized service, including by enabling us to:
- Estimate our audience size and usage patterns.
- Store information about your preferences, allowing us to customize the Site offerings according to your individual interests.
- Speed up your searches
- Recognize you when you return to the Site or use our Services.
Third parties may also use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you visit our Site. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content. We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.
Use of Personal Information
By submitting your personal information by and through the Site, you agree that we may share, sell, rent, lease or otherwise provide that personal information to any Third-Party Service Providers to fulfil your request for an auto insurance quote, any purpose permitted by law, and we may work with other businesses to bring selected third-party offers to you. These businesses and third-parties may include, but are not limited to: (a) insurance companies or providers of auto insurance and other insurance-related products and/or services; (b) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (c) email marketers; (d) telemarketers (where permitted by applicable law); (e) advertisers, and (f) other online aggregators/marketers. We may also use your personal information to send you promotional messages regarding our products and/or services, as well as third-party products and/or services that we think may be of interest to you.
These Third-Party Service Providers may send you information about products and services by telephone, text, fax, mail or email. If you use our Services, we will share your information, including name, address, email, telephone number, and date of birth, which you provided to us or that we obtained from third-party sources, with insurance companies or other third parties that may provide it to insurance companies. Insurance companies that receive your information may use it to assist in providing you offers for insurance. You further acknowledge and agree that each insurance company that receives your quote request from this website or from our affiliates may confirm your information through the use of a consumer reporting agency, which may include among other things, your driving record and/or credit score to determine eligibility and accurate rates. Additionally, if you use our Services, the data provided to insurance companies, either directly by us or through other third parties, may include your driving history, “driving score” and “risk score” that may be calculated by the insurance company.
We may also provide your information to third-party companies and individuals to perform certain functions on our behalf. Examples include sending direct and electronic mail, removing duplicate information from User lists, analyzing data and providing marketing analysis. The agents performing these limited functions on our behalf shall have access to our Users’ personal information as needed to perform these functions for us, but we do not permit them to use User personal information for other purposes.
Without limiting the foregoing, with your permission, we may share your User Data with those service providers that you request to be contacted by. These providers may use your User Data to offer you auto insurance-related products and/or services, and for any other lawful purposes, subject to any restrictions contained herein. The information that you supply directly to any Third-Party Service Provider shall be governed by the applicable Third-Party Service Provider’s privacy policy. Where you submit personal information, we use the personal information that you make available to personalize your experience with the Site and to facilitate the delivery of the applicable Services on our Site to you, including to respond to any inquiries made by you.
Consent to Notifications
By submitting your personal information by and through the Site, and thereby providing your permission, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the "Rule") and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, and/or on applicable state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations.
Where you provide "prior express consent" within the meaning of the Telephone Consumer Protection Act (47 USC § 227), and its implementing regulations adopted by the Federal Communications Commission (47 CFR § 64.1200), as amended from time-to-time ("TCPA"), you consent to receive telephone calls from us and/or its designated Third-Party Service Provider(s), including artificial voice calls, pre-recorded messages and/or calls (including SMS text messages) delivered via automated technology, to the telephone number(s) that you provided. Please note that you are not required to provide this consent in order to obtain access to the Site, and your consent simply allows us and its designated Third-Party Service Providers, as applicable, to contact you via these means.
Please be advised that by agreeing to this Privacy Policy, you are obligated to immediately inform us if and when the telephone number that you have previously provided to us changes. Without limiting the foregoing, if you: (i) have your telephone number reassigned to another person or entity; (ii) give up your telephone number so that it is no longer used by you; (iii) port your telephone number to a landline or vice versa; or (iv) otherwise stop using that telephone number for any reason (collectively "Phone Number Change"), you agree that you shall promptly notify us of the Phone Number Change via e-mail at: [email protected].
We reserve the right to release current or past personal information: (A) in the event that we believe that the Services are being or have been used in violation of the Terms and Conditions or to commit unlawful acts; (B) if the information is subpoenaed; provided, however, that, where permitted by applicable law, we shall provide you with e-mail notice, and opportunity to challenge the subpoena, prior to disclosure of any personal information pursuant to a subpoena; or (C) if we are sold, merge with a third-party, are acquired or are the subject of bankruptcy proceedings; provided, however, that if domain is involved in a bankruptcy proceeding, merger, acquisition or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on the Site of any change in ownership or uses of your personal information, as well as any choices that you may have regarding your personal information.
You hereby consent to the disclosure of any record or communication to any third-party when we, in our sole discretion, determine the disclosure to be appropriate including, without limitation, sharing your e-mail address with third-parties for suppression purposes in compliance with applicable law, including the CAN-SPAM Act of 2003, as amended from time to time. Users should also be aware that courts of equity, such as U.S. Bankruptcy Courts, might have the authority under certain circumstances to permit personal information to be shared or transferred to third-parties without permission.
Your California Privacy Rights
Under California’s “Shine the Light” law, CA Civil Code § 1798.83, and California Consumer Protection Act of 2018, as a resident of the State of California, certain privacy-related rights may apply to you, including the right to opt-out of our sale of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the names and addresses of those third-parties.
To request such information or for your information to be deleted, please send an email message to [email protected] with “Request for California Privacy Information” on the subject line and in the body of your message. We will provide the requested information to you at your e-mail address in response. Please be aware that not all information sharing is covered by the “Shine the Light” requirements and only information on covered sharing will be included in our response.
Also, upon receipt of such request, we shall delete the information and shall direct its partners to delete the information from its records as well, except under limited circumstances where the user’s information is required to: (1) compute the transaction for which the personal information was collected, provide a good or service requested by the user, or reasonably anticipated within the context of domain’s ongoing business relationship with the User, or otherwise perform a contract between domain and the user; (2) detect security incidents; protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity; (3) debug to identify and repair errors existing intended functionality; (4) exercise free speech, ensure the right of another User to exercise his/her right of free speech, or exercise another right provided for by law; (5) comply with the California Electronic Communications Privacy Act; (6) engage in public or peer-reviewed scientific, historical, or statistical research in the public interest; (7) to enable solely internal uses that are reasonably aligned with the expectations of the user based on the user’s relationship with lendeconomy.com; (8) comply with a legal obligation; (9) otherwise use the user’s personal information, internally, in a lawful manner that is compatible with the context in which the user provided the information.
Your Nevada Privacy Rights
If you are a resident of the State of Nevada and would like to opt-out from the sale of your personal information to any third party data broker, please e-mail us at: [email protected].
Behavioral Tracking/Advertising
Domain, as well as third party entities such as Google®, uses Cookies, pixels and other tracking technology (collectively, “Tracking Technology”) in connection with the Site for purposes of tracking Users’ activities (such as websites visited, advertisements selected and pages viewed) after they leave the Site. We, and our third-party partners, use this Tracking Technology to target applicable Users with advertisements featuring our products and/or services, as well as third-party products and/or services, that may be of interest to applicable Users. In general, Users may be able to disable some, or all, of this tracking activity by utilizing the “Do Not Track” setting or similar options within most major Internet browsers.
Users can opt-out of certain Google®-related tracking technology, and customize the Google® Display Network ads that they receive, by visiting the Google® Ads Settings at: http://www.google.com/settings/ads. Google® also recommends installing the Google® Analytics Opt-out Browser Add-on for your web browser, which is available here: https://tools.google.com/dlpage/gaoptout. To the greatest extent permissible under applicable law, we are not responsible for the tracking practices of third-parties in connection with the Site.
Google® is a registered trademark of Google, Inc. (“Google”). Please be advised that we are not in any way affiliated with Google, nor are the Services endorsed, administered or sponsored by Google.
Third-Party Websites
This Site may contain links to third-party owned and/or operated websites including, without limitation, websites owned and/or operated by Third-Party Service Providers and/or marketing partners. We are not responsible for the privacy practices or the content of such entities and/or websites. In some cases, you may be able to make a purchase through one of these third-party websites. In these instances, you may be required to provide certain information, such as a credit card number, to register or complete a transaction at such a website. These third-party websites and entities have separate privacy and data collection practices and we have no responsibility or liability relating to them.
Security
We endeavor to safeguard and protect our Users’ personal information. When Users make personal information available to us, their personal information is protected both online and offline (to the extent that we maintain any personal information offline). Where our registration/application process prompts Users to enter sensitive information (such as financial information, medical information, driver’s license/ID card number, health insurance information, data collected from an automated license plate recognition system or Social Security Number), and when we store and transmit such sensitive information, that information is encrypted with advanced methods. For more questions about the security methods used on our website, please contact us at [email protected]. If you do not agree with our methods of protecting your information, we ask that you abstain from submitting any information on our Site.
Access to your personal information is strictly limited, and we take reasonable measures to ensure that your personal information is not accessible to the public. All of our Users’ personal information is restricted in our offices, as well as the offices of our Third-Party Service Providers. Only employees or third-party agents who need User personal information to perform a specific job are granted access to User personal information. Our employees are dedicated to ensuring the security and privacy of all User personal information. Employees not adhering to our firm policies are subject to disciplinary action. The servers that we store User personal information on are kept in a secure physical environment. We also have security measures in place to protect the loss, misuse and alteration of personal information under our control.
Please be advised, however, that while we take every reasonable precaution available to protect your data, no storage facility, technology, software, security protocols or data transmission over the Internet or via wireless networks can be guaranteed to be 100% secure. Computer hackers that circumvent our security measures may gain access to certain portions of your personal information, and technological bugs, errors and glitches may cause inadvertent disclosures of your personal information; provided, however, that any attempt to breach the security of the network, our servers, databases or other hardware or software may constitute a crime punishable by law. For the reasons mentioned above, we cannot warrant that your personal information will be absolutely secure. Any transmission of data at or through the Site, other Site offerings or otherwise via the Internet or wireless networks, is done at your own risk.
In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your personal information. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.
Minors
Visitors under eighteen (18) years of age are not permitted to use and/or submit their personal information at the Site. Domain does not knowingly solicit or collect information from visitors under eighteen (18) years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.
Opt-Out/Unsubscribe
To opt-out of receiving e-mail and other forms of communications from us, you can: (a) follow the instructions included in the applicable e-mail message or other communication; or (b) e-mail us at: [email protected].
Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to your request for Services, as well as to respond to any inquiry or request made by you. To opt-out of receiving service-related and/or inquiry response-related messages from us, you must cease requesting and/or utilizing the Site and/or cease submitting inquiries to us, as applicable.
Deleting, Modifying and Updating Your Information
At your request, we will: (a) inform you of what personal information we have on file for you; (b) amend the personal information that we have on file for you; and/or (c) remove personal information that you have provided to us, or that we have collected. You may do so by e-mailing us at: [email protected]. We ask individual Users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and, to the extent permitted by applicable law, we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others or would be extremely impractical (for instance, requests concerning information residing on backup tapes).
Please be advised that deleting your personal information may terminate your access to certain parts of the Site. If you wish to continue using the full complement of Site and Services, you may not be able to delete all of the personal information that we have on file for you.
Please be further advised that, after you delete your personal information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.
Transfer of Personal Information Internationally
If you are visiting the Site from a country other than the country in which our servers are located, your communications with us may result in the transfer of information across international boundaries. By visiting the Site and/or otherwise communicating electronically with us, you consent to such transfers. Even if your jurisdiction does not have the same privacy laws as the jurisdiction where our servers are located, we will treat your information as subject to the protections described in this Privacy Policy.
Changes to this Privacy Policy
From time to time, policypine.com may make changes to this Privacy Policy without further notice to its users. You should continue to review this Policy periodically to ensure that you are up-to-date and knowledgeable about any changes that are taking place.
Contact Us
If you have any questions about this Privacy Policy or our privacy practices in general, you may email us as at: [email protected].