Privacy Policy

This Privacy Policy explains how personal information is collected, used, disclosed, and retained when using this website and related services.

Introduction

By using this website, you agree to the practices described in this Privacy Policy. The policy describes the personal information that may be collected, how it may be used, and the choices available to you regarding the use and disclosure of your data.

Information We Collect

We may collect the following types of information depending on how you interact with the site:

• Identifiers: name, postal address, email address, telephone number, account identifiers, and service address information.
• Payment Information: bank account or credit card information needed to process transactions.
• Audio Records: call recordings when phone contact is recorded for quality or compliance.
• Communications and Content: information you provide via forms, chat, surveys, or other channels.
• Internet or Network Activity: IP address, browsing behavior, interaction with ads, and data collected via cookies and similar technologies.

Sensitive Personal Information

Certain types of sensitive personal information may be collected only when necessary or with consent (for example, for applications, identity verification, or job applicants). Examples include:

• Government identifiers (e.g., Social Security or passport numbers) — collected only when applicable and not retained in our systems unless required.
• Account login details — stored only as needed to maintain active accounts.
• Health-related information or demographic data — collected only when applicable and retained as necessary for business or legal purposes.

How We Collect Information

We collect information in several ways:

• Information you provide directly via forms, applications, surveys, or account registration.
• Information collected automatically when you visit or interact with the site (cookies, IP addresses, web beacons).
• Information provided by third-party partners, service providers, or publicly available sources.

How We Use Information

Collected information may be used to:

• Provide and manage products and services, and process transactions.
• Respond to inquiries, support requests, and fulfill communications.
• Personalize content and advertising where permitted by law.
• Improve site functionality and perform analytics and research.
• Prevent fraud and maintain the security of our systems.
• Comply with legal obligations and facilitate business transactions such as mergers or asset transfers.

Information Sharing and Disclosure

We may share information with:

• Trusted service providers and partners who perform services on our behalf and agree to protect your data.
• Third parties when required by law or to protect legal rights and safety.
• Potential buyers or partners in the event of a merger, sale, financing, or similar corporate transaction.

We do not control third-party websites or their data practices. When you follow links to other websites, those sites have their own privacy policies and practices.

Cookies and Tracking Technologies

Cookies, web beacons, and similar technologies may be used to collect information about how you interact with the site. These tools help improve functionality and personalization and assist with advertising analytics. You may manage or disable cookies through your browser settings, although doing so may affect site features.

Clear Gifs / Web Beacons

Small tracking technologies (clear gifs, web beacons) may be used in pages and emails to measure performance, detect opens, and understand user engagement. If you wish to opt out of marketing emails, follow the opt-out instructions included in those communications.

Telephone Calls and Recordings

Telephone calls may be recorded for quality assurance, compliance, and training purposes. Where required by law, recordings will be made with consent.

Marketing, Sale, and Targeted Advertising

Depending on applicable laws and your preferences, some personal information may be shared or used for targeted advertising. Where required, you will be provided the opportunity to opt out of such sharing or targeted advertising.

Special Categories: Insurance Customers and Job Applicants

For insurance applications or job applications, additional information may be collected and used for underwriting, claim processing, or employment evaluation. Certain categories of data collected in these contexts may be treated differently and may not be used for advertising purposes.

Your Privacy Rights

Depending on where you live and applicable law, you may have rights including:

• Access / Portability: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate personal data.
• Deletion: Request deletion of personal data subject to applicable exceptions.
• Opt-Out of Sale/Sharing: Opt out of the sale or sharing of personal information where applicable.
• Limit Use of Sensitive Data: Request restrictions on use or disclosure of sensitive personal information.

Requests to exercise these rights may require verification to protect your privacy. If verification fails, the request may not be processed.

Non-Discrimination

If you exercise privacy rights, you will not be penalized or treated differently for doing so.

Children

This site is intended for adults. We do not knowingly collect personal information from children under the age of 13. If we discover that we have collected information from a child under 13, we will take steps to delete that data as required by applicable law.

Data Retention

Personal information is retained only as long as necessary to fulfill the purposes described in this policy, or as required by law. Retention considerations include the nature of the relationship, legal obligations, and operational needs.

Security

Reasonable administrative, technical, and physical safeguards are used to help protect personal information. However, no internet transmission or storage system can be guaranteed completely secure.

Changes to this Policy

This Privacy Policy may be updated from time to time. Material changes will be posted on this page. Continued use of the site after changes indicates acceptance of the updated policy.

Contact

If you have questions or requests related to this Privacy Policy, please use the website's contact form or customer support channels provided on this site.