PRIVACY POLICY

Last Updated: April 6, 2020

General

Your privacy is important to us and we provide this notice explaining our online information practices and the choices you can make about the collection and use of the personal information you submit at www.findqualityinsurance.com (this Website).

This Website is not intended for anyone under the age of eighteen (18). By accessing the Website, you signify your assent to the www.findqualityinsurance.com Privacy Policy, and to the collection, use and transfer of your information in the manner described in this Privacy Policy. If you do not agree to this Privacy Policy, please do not access the Website. You should visit this page periodically, as we may, from time to time, update this Privacy Policy and such changes shall be effective immediately upon posting on the Website and without further notice to you. Your continued access to the Website following the posting of changes to this Privacy Policy shall be deemed an acceptance of such changes by you. We will, however, use personally-identifiable information only in accordance with the version of the Privacy Policy under which the information was collected.

If you are visiting the Website from outside the United States, please be advised that your personal data will be processed by us in the United States where data protection and privacy regulations may differ from similar regulations in other countries. By using the Website, you consent to any such transfer of information outside of your country if you are located outside of the United States. Additionally, by using the Website, you consent to us using your personal information to contact you electronically, in writing, or otherwise to provide notices relating to your use of the Website and to give you information about the products and services offered by us and our affiliates. If you would like to opt out of future promotional materials from us, you may indicate this preference by following the unsubscribe instructions at the end of such communications from us.

Information Collected Automatically

This Website automatically collects information about your use of the Website and our communications, including the domain from which you access the Internet (for example, Comcast.net, if you are connecting from a Comcast account); mobile and/or operating device identifier; computer operating system; web browser type and version; date and time you access the Website; Internet address of the website from which you linked directly to our Website (source URL/referring page) and exit pages; browser history; clickstream data; Internet service provider (ISP); behavioral data (opens, clicks); and user-specific and aggregate information on areas of the website used. This Website uses data capture and analysis tools, and other similar tools, to extract, compile and analyze any non-personally identifiable data or information resulting from your use of the Website and the services offered thereon (collectively “Blind Data”). Such Blind Data shall be solely owned by us and may be used for any lawful business purpose, including, without limitation, analyzing and enhancing the Website and services offered hereby and disclosing such Blind Data to third parties for a variety of purposes. We also use cookies, as described below, to collect the above data.

Personally-Identifiable Information

Personally identifiable information is collected about you when you visit and use the Website, including when you subscribe to receive communications from us or contact us through the Website; when you open and/or click on email communications including advertisements and newsletters; and when you request to unsubscribe from receiving email advertisements, newsletters, or other communications from us. The types of personally identifiable information that may be collected through the Website include, without limitation, any information which you volunteer to the Website or through other means of communications, including your first name, last name, postal address, email address, phone number and MSISDN (mobile station integrated services digital network number), credit card and billing information, download history, texts, messages, age/date of birth, housing status, employment status, medical information, marital status, parental status, gender, occupation, industry of employment, employment history, salary range, education level, products or services purchased, obtained, considered, or other purchasing or consuming histories, personal and online interests.

Please know that you will retain ownership of any personal information that you may include in your account and contact lists in order to identify recipients of your messages through our services, and we will not use contact lists for its own promotional campaigns or sell contact lists to third-parties, subject at all times to our need to access and use such information in order to provide the services pursuant to its Terms of Service and this Privacy Policy.

We may use such personally identifiable information to provide or match you with the services that you have requested, to contact you about programs, products, features or services in which we believe you may be interested (such as future promotional materials), or for other purposes disclosed from time to time. We also may use your personally identifiable information to contact you regarding your use of our Website or changes to our Privacy Policy, Terms of Service, or other policies or terms that affect you and your use of our Website and services. In addition, we may use information collected about our users to improve the content and navigation of our Website, or for other internal purposes.

To fulfill your requests for products and services, we may share the personally identifiable information you provide with your cell phone service provider or their partner and subcontractor companies. Please know that this Privacy Policy does not cover such entities’ use of information. To learn more about your provider’s privacy practices, you should consult its privacy policy.

In addition, we may disclose personally identifiable information collected about you in the following instances:

• We may disclose information about our users, including personally identifiable information (i) when requested by governmental or quasi-governmental authorities conducting an investigation; (ii) when we believe in good faith that it is necessary to respond to a subpoena, court order, or other legal process, or to exercise our legal rights or defend against legal claims; (iii) to verify or enforce compliance with the policies governing our Website and applicable laws; or (iv) to protect against misuse or unauthorized use of our Website.
• We also may disclose user information whenever we believe in good faith that disclosure is necessary to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our terms and conditions, or as otherwise required by law, or limit our legal liability; to protect or defend our rights or property; or protect the safety, rights, or property of our users.
• We may sell, transfer, or otherwise disclose user information, including personally identifiable information, to a successor entity in connection with a corporate merger, consolidation, the sale of substantially all assets, or other corporate change.

Any personal identifiable information will not be shared, resold, or utilized by any third party unless the mobile subscriber explicitly consents to received messages from those brands.

Cookies

To enhance your experience with the Website, we use “cookies” on our Website. Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive through your Web browser to enable our systems to recognize your browser and to provide features. Cookies, by themselves, do not tell us your e-mail address or other personally identifiable information unless you choose to provide this information to us by, for example, registering at our Website. However, once you become a customer and furnish the Website with personally identifiable information, this information may be linked to the data stored in the cookie.

We use cookies to understand site usage and to improve the content and offerings on our Website. For example, we may use cookies to personalize your experience at our Website (e.g., to recognize you when you return to the Website). With most internet browsers, you can erase cookies from your computer hard drive, block all cookies, or receive a warning before a cookie is stored.

Please consult the “Help” section of your browser for more information. However, certain areas of the Website can be accessed only in conjunction with cookies or similar devices and you should be aware that disabling cookies or similar devices might prevent you from accessing some of our content. Unless otherwise required by law, we do not guarantee that we will respond to such Do Not Track signals.

The use of cookies by our partners, affiliates, and service providers is not covered by our privacy statement. We do/do not have access or control over these cookies, but may acquire additional personal information from third party cookies. Our partners, affiliates, and service providers use session ID cookies to allow us to improve site navigation and usage.

Access to Personal Information

If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by making the change on our member information page or by emailing us at OurDomain@gmail.com. We will respond to your request to access within 30 days.

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Children

The Website is not directed at individuals less than sixteen (16) years of age, and we do not intend to collect any personal information from such individuals. To the extent that you believe we have collected the personal information of any minors, please contact us at OurDomain@gmail.com.

Testimonials

We post customer testimonials on our Website which may contain personally identifiable information. We do obtain the customer’s consent via email prior to posting the testimonial to post their name along with their testimonial. If you wish to request to have your testimonial removed, you may contact us at OurDomain@gmail.com.

Public Forums

Our Website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at OurDomain@gmail.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Links To Other Websites

The Website may contain links to third party websites, whose information practices may be different than this Website. Visitors should consult such third-party sites’ privacy notices as we does not have any control over information that is submitted to, or collected by, these third parties www.findqualityinsurance.com does not make any representations or warranties as to the security of any information (including, without limitation, credit card and other personal information) you might be requested to give any third party.

These links are provided solely as a convenience to you and not as an endorsement by us of the contents on such third-party websites. We cannot ensure that you will be satisfied with any products or services that you purchase from a third-party site that links to or from the Website, since these sites are owned and operated by independent retailers.

We are not responsible for the content of linked third-party sites and do not make any representations regarding the content or accuracy of materials on such third-party sites. We have not taken any steps to confirm the accuracy or reliability of any of the information contained in such third-party sites. If you decide to access linked third-party sites, you do so at your own risk. We strongly encourage you to make whatever investigation you feel necessary or appropriate before proceeding with any online or offline transaction with any of these third parties.

Data Security Policy

The importance of security for all personally-identifiable information associated with visitors to the Website—as well as www.findqualityinsurance.com customer information, such as cell phone numbers, texts, messages, credit card information, and addresses, and other account data—is of utmost concern to us, and we have implemented, and periodically review, certain physical, electronic, and managerial procedures to help prevent unauthorized access and maintain data security. We endeavor to keep your payment and personal information secure. Our software is the industry standard and among the best software available today for secure commerce transactions. It encrypts all of your personal information, including credit card number, name, and address. Unfortunately, due to the open nature of Internet communications, no data transmission over the Internet can be guaranteed to be secure, and thus we cannot guarantee that communications between you and www.findqualityinsurance.com will be free from unauthorized access by third parties. Visitors of the Website and www.findqualityinsurance.com customers use the Website at their own risk.

TCPA Consent

This Site is compliant with the Telephone Consumer Protection Act as implemented by the Federal Communications Commission. By selecting the box above “I CONFIRM” on the Website, you agree by electronic signature to the Terms of Use https:://www.findqualityinsurance.com/terms, Mobile Terms of Use https:://www.findqualityinsurance.com/mobile_terms, Privacy Policy https:://www.findqualityinsurance.com/privacy, and Mobile Privacy Policy https:://www.findqualityinsurance.com/mobile_privacy and agree to receive daily text messages (up to 30 msg/mo) from OurDomain (OD) on the number provided from short code 94063 through the use of automated technology, even if your number is currently listed on any state, federal, or corporate “Do Not Call” list. You understand that you are not required to give your consent as a condition of your receipt of services from (OD). You also understand that my telephone company may impose charges on you related to your receipt of the text messages, and that you may reply HELP at any time, or revoke this consent at any time by replying STOP to opt-out. Msg & data rates may apply.

Your California Privacy Rights

This section is specific and applies only to web visitors who are California residents, under the meaning of Section 17014 of Title 18 of the Cal. Code of Regulations.

California residents have the right to receive, once a year, information about third parties with whom we have shared personal information about you or your family for their marketing purposes during the previous calendar year, and a description of the categories of personal information shared.

As stated in this Privacy Policy, you have agreed to allow us to share such personal information with third parties for their direct marketing purposes until you remove your information; and thus, you have agreed to this disclosure. California customers may request further information about our compliance with this law by sending us an email using the Contact us form. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through this email address.

Under the California Consumer Privacy Act of 2018 (“CCPA”), up to twice in a twelve (12) month period, a consumer has the right to request that a business disclose what personal information it collects, uses, discloses, and sells. Information regarding our collection, disclosure, and sale practices are detailed below, in addition to instructions on how to exercise your rights regarding your personal information.

What Personal Information Do We Collect?

We collect, and have collected personal information about our visitors in the preceding 12 months as summarized below:

We also collect the above personal information through the Website, as well as through internet service providers (ISPs), data analytics provider, operating systems and platforms, and consumer data resellers/brokers.

What Personal Information Do We Disclose or Sell?

We have disclosed personal information for a business purpose, or sold personal information to third parties in the preceding 12 months in the following categories:

In addition, we may disclose any personal information collected about you in the instances described under the “Personally-Identifiable Information” heading above, where requested by governmental or quasi-governmental authorities conducting an investigation; in response to a subpoena, court order, or other legal process; to exercise our legal rights or defend against legal claims; to verify or enforce compliance with the policies governing our Website and applicable laws; to protect against misuse or unauthorized use of our Website; to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our terms and conditions, or as otherwise required by law, or limit our legal liability; to protect or defend our rights or property; or protect the safety, rights, or property of our users. We may also sell, transfer, or otherwise disclose personal information to a successor entity in connection with a corporate merger, consolidation, the sale of substantially all assets, or other corporate change.

We do not have any actual knowledge of the sale of personal information of minors under 16 years of age. There are no financial incentives to disclose.

Your Right to Request to Know and How to Submit a Verified Request to Know

A “request to know” is a request related to the personal information that a business has about such consumer. It may include a request for any or all of the following from us: 1) specific pieces of personal information that we have collected about you; 2) categories of personal information that we have collected about you; 3) categories of sources from which the personal information was collected; 4) categories of personal information that we have sold or disclosed for a business purpose about you; 5) categories of third parties to whom the personal information was sold or disclosed; and 6) the business or commercial purpose for collecting or selling personal information.

The CCPA permits requests to know from the same consumer up to twice in a twelve (12) month period.

To submit a request to know, please click here: Request to Know, or email your request to OurDomain@gmail.com. To process your request, you may be required to submit your first name, last name, California address, email address, and phone number in conjunction with your request. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for information, we may require the following before processing the request: 1) provide proof of your written and signed permission with the authorized agent to act on your behalf; 2) directly verify your own identity with us; and 3) directly confirm with us that you provided the authorized agent permission to submit the request on your behalf. The information which you submit in conjunction with your request to know will be used for the express purposes of verification and providing you with responsive information to your request, if required.

Your Right to Request Deletion and How to Submit a Verified Request to Delete

You have the right to request the deletion of any personal information which we have collected about you, or which we maintain. To submit a verifiable request to delete, please click here: Verifiable Request to Delete, or email your request to OurDomain@gmail.com. To process your request, you may be required to submit your first name, last name, California address, email address, and phone number in conjunction with your request. The information which you provide will be used to verify your request and to attempt to identify you within our data records. If you elect to use an authorized agent to exercise your right to submit a request for deletion, we may require the following before processing the request: 1) provide proof of your written and signed permission with the authorized agent to act on your behalf; 2) directly verify your own identity with us; and 3) directly confirm with us that you provided the authorized agent permission to submit the request on your behalf. The information which you submit in conjunction with your request to delete will be used for the express purposes of verification and fulfilling your request, if required.

We utilize a two-step process for online requests to delete, whereby you first submit your request to delete, and second, you separately confirm that you want your personal information deleted.

To the extent that your personal information is necessary for us to maintain for a reason delineated in Cal. Civ. Code § 1798.105(d), including but not limited to complete a transaction for which the personal information was collected, provide a good or service you have requested, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, debug, etc., or to comply with a legal obligation, we are not required to comply with your request for deletion. For instance, we are not required to delete personal information which is necessary to maintain suppression files for those individuals who have opted out of receiving email marketing from us. If we are unable to verify your request, we will notify you as well.

Your Right to Opt-Out of the Sale of Your Personal Information

California affords consumers with the right to opt-out of the sale of their personal information. To submit a request to opt-out of the sale of your personal information, you may complete the information requested in our webform www.findqualityinsurance.com/do-not-sell, or you may email us at OurDomain@gmail.com.

To process your request, to opt-out, you may be required to submit your first name, last name, California address, email address, and phone number in conjunction with your request. The information which you provide will be used to verify your request and to attempt to identify you within our data records. You may exercise your right to opt-out through an authorized agent. If you elect to use an authorized agent to exercise your right to opt-out of the sale of your personal information, we may require the following before processing the request: 1) provide proof of your written and signed permission with the authorized agent to act on your behalf; 2) directly verify your own identity with us; and 3) directly confirm with us that you provided the authorized agent permission to submit the request on your behalf. The information which you submit in conjunction with your opt-out request will be used for the express purposes of verification and complying with your opt-out request.

 Your Right to Non-Discrimination for the Exercise of Your Privacy Rights

California affords consumers with the right not to receive discriminatory treatment by a business for the exercise of their privacy rights conferred by the CCPA. This means that you cannot be denied goods or services; be charged different prices or rates; be provided with a different level or quality of goods or services; or have it suggested that you will receive a different price or rate or different level or quality of goods or services. However, a business may offer a financial incentive or price or service difference if it is reasonably related to the value of the consumer’s data. A business shall notify consumers of any financial incentive or price or service difference. 

Changes to Privacy Policy

We may update this privacy statement to reflect changes to our information practices. If we make any material changes, we will post an update on the website. We encourage you to periodically review this page for the latest information on our privacy practices. 

Questions/Concerns?

If you have any questions, comments, or concerns regarding our Privacy Policy, please contact us at OurDomain@gmail.com.

If you have a disability which interferes with your ability to access this policy, we can make accommodations to present the policy in an alternative format to assist you. If you would like to receive this information in another format that is accessible to your needs (for example, audio, large print, etc.), please contact us.