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From Visitors, whether or not they are, or become, Members, we collect: Information about the technical mechanisms you used to access the Site, such as your browser and operating system type, the link that brought you to our Site, data points that help our analytics function and which tell us what brought you to a particular spot on our Site, and Your IP address, which is automatically anonymized when used by our third party analytics services.
Collectively, this is “Usage Information.”
We use Usage Information to inspect, analyze, and improve our Site and ensure it functions well with the technology used by our Visitors. In addition to analytics about the demographics of our Site Visitors, we use IP Addresses for Visitors not to individually identify you, but to confirm we can deliver the Site and Services to you based on local legal rules.
When you use the Site for an “Insurance Checkup,” you can choose to supply additional information about yourself to us, including your first name, last name, and email address. In order to receive results for our Personal Insurance Checkup, you will be required to provide us with additional personal information which includes, but is not limited to: your email address, zip code, marital status, employment status, risk tolerance, living situation details, property and vehicle ownership, family information such as number of children and number of pets, whether you are a homeowner or a renter, your income, amounts of your savings and debts, and general details about your current insurance coverage (collectively, “Checkup Information”) - we use each of these data points to return results to you that assess your current coverage and provide recommendations about how to improve your current coverage.
This is never required to visit the Site, but we do use this information to perform an analysis of your insurance needs.
To get an insurance quote, in addition to the Checkup Information described above, you may need to supply your date of birth, gender, occupation, address, smoking status, height and weight, certain family history, certain health history, certain driving history, and your citizenship status (collectively, “Quote Information”). We use this information to calculate the price estimates for coverage you request.
To apply for an insurance policy, you will need to become a Member and also submit your social security number, phone number and address in addition to Quote Information (collectively, “Application Information”).
If you use the Services and create an account, we also use a cookie to recognize you on return visits and expedite the login process. You can remove cookies through your browser preferences menu, though the exact method varies depending on the type of browser you use – but note that you won’t be able to log into our Service if your cookies are completely disabled. If you visit from a mobile device, we may reference your device identifier or other information about where your visit originated. The various cookies used on our site last for ninety or more days.
You can opt-out of certain of cookies and tracking technologies by visiting the Digital Advertising Alliance Opt-out here. Note that this opt-out only applies to certain cookies and tracking technologies we use.
Web beacons (also sometimes called “clear GIFs”) are small files stored and/or served on a website on in an email which collect, track, or transmit a data point back to us or to a third party. For example, we use a web beacon to assess whether an email message has been opened.
We use web beacons to facilitate advertising and functionality on our Site, as well, including without limitation to:
In some cases, the above web beacons functions may be performed by custom HTML in our Site’s code.
We do not currently have the ability to recognize Do Not Track signals.
If you submit a credit card payment through our Services, for example to purchase insurance coverage, we will transmit your payment details, including without limitation your credit card number, to the payee through an encrypted transmission. We do not store credit card information on our own servers or associate it with your other Account Information for any purpose other than completing your purchase.
If you purchase temporary insurance coverage through us, you will be required to provide bank account information to pay for and enable that coverage. That bank information is stored on our servers in encrypted form, and will be accessed and used to complete your purchase and maintain your temporary coverage. We will delete this bank account information within 30 days of the conclusion of your temporary coverage, once all payments have been completed.
In addition to the above, we may use your personally-identifiable information to:
Quote Information and Application Information with insurance carriers to obtain quotes and submit and process insurance applications.
Information we collect, generally
We secure information stored in our data stores using encryption at rest, and use additional encryption mechanisms to secure certain sensitive fields on our database. Our Site uses HTTPS and SSL protocols, and transmissions from the Site to our servers use TLS encryption standard or better. Vendors who receive personally-identifiable information from us are contractually obligated to impose no less than reasonable security measures on their storage infrastructure, and in any case no lesser measures than they use for their own data.
While we take commercially reasonable steps to protect your Personal Information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction, we cannot guarantee perfect security - no internet-based Service can. No security system is impenetrable. Despite our security measures, we cannot guarantee the security of our databases, nor can we guarantee that the information you supply will not be intercepted while being transmitted to and from us over the Internet.
Under California Civil Code Section 1798.83, California residents who have established business relationships with us may choose to opt out of our sharing their Personal Information with third parties for direct marketing purposes. If you are a California resident and (1) you wish to opt out; or (2) you wish to request certain information regarding our disclosure of your Personal Information to third parties for the direct marketing purposes, please send an e-mail to firstname.lastname@example.org.
If you are visiting the Site or any of the Services from a location outside of the U.S., your connection will be through and to servers located in the U.S. All Personal Information you provide to us will be maintained in web servers and/or internal systems located within the U.S. By providing us with any Personal Information through the Site or any of the Services, you consent to transfer of such Personal Information to the U.S.
By default, we disable the submissions of personal information to our Site from Visitors using European Union IP Addresses, regardless of whether the user is an EU citizen or using a VPN device. If you need access to your account and are using an EU IP Address, please email email@example.com with (i) a description of the access and/or help you need, and (ii) an express consent to use any personal information in our possession to respond to your request.
We do not knowingly collect personal information from children under the age of 13. If you are under 13, please do not give us any personal information and do not use the Site. If you have reason to believe that a child under the age of 13 has provided personal information to us, please contact us immediately, and we will delete that information from our databases.
If you wish to opt-out of the use of your personal information by our Services, we are happy to assist you. Please email us at firstname.lastname@example.org and let us know what you wish to opt-out of. Please be advised that certain uses and sharing of your information may be required to continue providing certain Services to you, and that you will not be entitled to any refund if your removal of personal information will make certain prepaid Services unavailable to you.
If you have additional questions or would like more information regarding our information collection, use of disclosure practices, please feel free to contact us at email@example.com.
Security you can trust
Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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