Privacy Policy

SafeQuotes Privacy Policy for Virginia

Effective Date: 01/01/2024

1. Introduction

SafeQuotes ("we," "us," "our") is committed to protecting the privacy and security of our customers' personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information in accordance with applicable laws and regulations, specifically tailored for residents of the Commonwealth of Virginia.

2. Information We Collect

We may collect the following types of personal information:

Personal Identifiers: Name, address, phone number, email address, Social Security number, and date of birth.
Insurance Information: Policy numbers, coverage details, premiums, claims history, and payment information.
Financial Information: Bank account details and credit card information.
Health Information: Medical records and health information necessary for underwriting and claims processing.
Internet Activity: Information collected through cookies and other tracking technologies, such as browsing history and interactions with our website.

Types of Personal Information We Collect

At SafeQuotes, we recognize and respect your privacy. "Personal Information" generally refers to any information that can be linked to an identified or identifiable person. The Personal Information we collect about you varies depending on the context of our interactions with you. The following describes the types of Personal Information we collect from you and how we use that information. The term "Personal Information" also includes certain categories of "Sensitive" or "special" Personal Information that may receive additional protections or be subject to additional restrictions under applicable laws. In this Privacy Policy, we refer to this information as "Sensitive."

Information We Collect From You

When you use our Services, we may collect various types of information from you, including: (1) Device Information; and (2) Personal Information.

Device Information

We may automatically collect Device Information when you access or use the Services, such as:

The type of device you use to access the Services;
The date and time you access the Services;
The type of web browser you use;
The sections of the Services you access;
The Internet Protocol ("IP") address (a number automatically assigned to a computer when the Internet is used);
The user language;
The operating system;
The presence or absence of "flash" plug-ins;
The screen resolution; and
The connection type you use to access the Services.

Additionally, we may collect location information through the use of technology when you use our Services, such as data associated with your IP address or other online or device identifiers. If you do not want us to collect and use this information, you may be able to disable the location features on your device. Please refer to your device manufacturer's settings for information on how to do so.

This information (collectively, "Device Information") does not personally identify users by itself. We use Device Information to monitor the effectiveness of the Services, help personalize your experience, and consider potential improvements to the Services. Device Information may be collected through cookies or similar technologies. For more detailed information on cookies, please refer to the "Cookies and Other Information Collecting Technologies" section below.

Personal Information

Access to and/or use of some Services may require the disclosure of certain Personal Information, as further described below. The categories and specific types of Personal Information that SafeQuotes may collect about you include:

Direct identifiers and contact information: This includes your name, address, phone number, email address, business contact information, or other similar identifiers.
Demographic information: This includes race, ethnicity, gender, age, location, and user data obtained through surveys or questionnaires.
Identifiers of our customers, third-party partners, collaborators, and their employees: This refers to identifiers of individuals we may interact with.
Account registration information: This includes your email address and password, as well as user profile data provided when you create or update your account.
Health-related information: This may include information about a health condition or medical history as part of your use of the Services.
Drug and alcohol use: This includes information provided as part of your use of the Services.
Government identifiers: Such as Social Security number, driver’s license, and other government identification documents (which may contain document numbers, birth date, gender, and photo).
Payment or banking information: This includes credit card number, name on the credit card, expiration date, security code, and billing address.
Geolocation data.
Information you submit when you contact us for support.
Sensitive (Special) Personal Information: This includes, where permitted and in accordance with applicable law, information such as Social Security number, passwords, racial or ethnic origin, and/or health information, all of which qualify as Sensitive (Special) Personal Information.

Providing the Personal Information, including Sensitive (Special) Personal Information, listed above is voluntary. However, in certain instances, we may not be able to process your request for our Services without the requested Personal Information.

The following information may also be considered Personal Information depending on how it is used and linked with other information:

Website or mobile app interactions: This includes data on how you interact with links, information you type into online forms, or details about your device or browser.
Information about how you interact with our Services: This includes data such as access dates and times, app features or pages viewed, app crashes and other system activity, type of browser, and third-party sites or services used before interacting with our Services.
Browser type, operating system, IP address, domain name, click activity, referring website, and/or a date/time stamp for visitors

Sources of Personal Information

We collect your Personal Information in the following ways, in accordance with applicable law:

Directly From You: When you use or purchase our Services, register for an account, create a profile, contact us, respond to a survey, or sign up to receive emails, text messages, and/or postal mailings.
Through Our Use of Cookies and Other Automatic Data Collection Technologies: When you visit our websites, use our mobile applications, open or click on emails we send you, or interact with our advertisements. We or third parties we work with automatically collect certain information using technologies such as cookies, web beacons, clear GIFs, pixels, internet tags, web server logs, and other data collection tools. For more information, please see the “Cookies and Online Interactions” section below.
From Our Third-Party Partners: Including third parties we have partnered with to provide the Services you have requested from us.
From Network and Wireless Providers: You may authorize these providers to use or disclose information about your account and your wireless device to us for the duration of your business relationship, solely to help identify you or your wireless device and prevent fraud.
From Other Sources: Including data analytics providers and publicly available sources.

3. How We Collect Information

We collect personal information through various methods, including:

Directly from you, when you provide information through applications, forms, and other communications.
Automatically, through our website and online services, via cookies and similar technologies.
From third parties, such as insurance carriers, business partners, and other service providers.

4. How We Use Your Information

We use your personal information for the following purposes:

To provide and manage your insurance policies and related services.
To communicate with you regarding your policy, claims, and customer service inquiries.
To process payments and fulfill transactions.
For underwriting and risk assessment.
To comply with legal and regulatory requirements.
For internal business purposes, such as data analysis and audits.

Use of Your Personal Information

We use your Personal Information and Sensitive Personal Information for the following business purposes ("Processing Purposes") related to our general business operations:

General Business Purposes: We may use your Personal Information for everyday business activities, such as account management, contract administration, website management, corporate governance, and meeting legal and regulatory reporting obligations.
Service Provision: We may use your Personal Information to provide you with the Services you have requested. This includes responding to your inquiries, processing and fulfilling your product orders, operating the Services, informing you about Services that may interest you or that you may be eligible for (as permitted by law), fulfilling our contractual obligations, and performing actions based on your consent.
Customer Support and Communication: We may use your Personal Information to respond to feedback or support requests. This may involve contacting you via email, phone calls, SMS, or other electronic communications, such as push notifications, regarding the Service and updates or informational messages related to functionalities, products, or contracted services, including security updates when necessary or reasonable.
Marketing and Analysis: We may use your Personal Information to send you marketing communications promoting SafeQuotes products, programs, or services, and those of our partners (with your consent, where required). We may also use this information to analyze your needs, improve, develop, market, and evaluate the Services, and create new products and services.
Legal Compliance: We may use your Personal Information to comply with applicable laws, regulations, and legal processes.
Policy Compliance and Security: We may use your Personal Information to ensure compliance with our policies, procedures, and applicable terms of service, to prevent fraud, detect and address illegal activities, and to protect SafeQuotes and its employees, users, and property.
Customer Relationship Management: We may use your Personal Information for managing and maintaining customer relationships and administration.
Device Information: We may use Device Information to monitor the effectiveness and improve the functionality of the Services, personalize your experience, and consider potential improvements. This information may also be used for statistical and research purposes and administrative tasks, including troubleshooting and resolving issues with the Services. We may rely on third-party partners to collect and analyze Device Information, which may also be collected through cookies or similar technologies. For more details on cookies, please refer to the “Cookies and Online Interactions” section below.

Use of Your Sensitive Personal Information

We use your Sensitive Personal Information to provide the requested products or Services, manage your account, and for legitimate internal business purposes. These uses are generally in accordance with applicable law and cannot be further restricted under those laws.

5. Sharing of Information

We may share your personal information with:

Affiliated Companies: Our parent company, subsidiaries, and other affiliates for the purposes described in this policy.
Service Providers: Third-party vendors who perform services on our behalf, such as billing, claims processing, and customer support.
Insurance Partners: Insurance carriers and underwriters for the purposes of providing you with insurance products and services.
Legal and Regulatory Authorities: As required by law or to protect our rights, property, or safety, or that of our customers and others.

Disclosure of Your Personal Information

In addition to the specific situations described elsewhere in this policy, we may disclose your Personal Information in the following circumstances, as permitted by applicable law:

Affiliates and Acquisitions: We may share information with our corporate affiliates (such as our parent company, subsidiaries, joint ventures, or other companies under common control). If another company acquires, or plans to acquire, our company, business, or assets, we will also disclose information to that company, including during the negotiation phase.
Business Partners: We may collaborate with other companies to provide products or services on a joint or “co-branded” basis. In such cases, in addition to this Privacy Policy, the partner’s privacy policy may also apply. Where required by law, SafeQuotes will obtain explicit “opt-in” consent for sharing certain Sensitive Personal Information with business partners.
Compliance with Law or Legal Process: We may disclose information in response to subpoenas, warrants, or court orders, or to comply with relevant laws. We may also disclose your information to establish or exercise our rights, defend against legal claims, protect against legal liability, investigate or address possible illegal activities, suspected fraud, safety concerns, or policy violations, or to fulfill your request for services from a third-party intermediary.
De-identified or Aggregate Information: We may aggregate and anonymize information so that it is no longer identifiable to you. This data may be used for statistical, analytical, and administrative purposes, such as analyzing website traffic, improving Services, or conducting product analysis. We may share anonymized or aggregated data at our discretion, in accordance with applicable laws.
Other Users: When you share Personal Information or interact publicly on our Sites and Apps, such information may be visible to other users and may be distributed outside the platform.
Public Forums: Our Sites and Apps may offer opportunities to post comments or reviews in public forums. If you choose to submit information on these pages, it may be publicly accessible.
Partner Promotions: We may run contests, sweepstakes, or other promotions with third-party partners. If you enter such promotions, the information you provide will be disclosed to us and the partner. The use of your information by these partners is not governed by this Privacy Policy.
Service Providers: We may disclose your information to service providers who assist us with administering our Sites and Apps, collecting data, conducting surveys, providing technical support, and processing payments.
Social Media Platforms and Networks: Our Sites and Apps may include plugins, widgets, or tools from third parties, which may result in information being collected or shared between us and those third parties. For example, using Facebook’s “Like” feature may allow Facebook to register your action and post it on your profile. Their use of your information is not governed by this Privacy Policy.
Third-Party Vendors: We may disclose Personal Information to third-party vendors, such as external auditors, attorneys, and accountants, based on our legitimate business interests and compliance with legal obligations. These vendors may use your information to provide services to us and to meet their legal, regulatory, and fiduciary duties.
Other Disclosures with Your Consent: We may ask if you would like us to disclose your information to other unaffiliated third parties not described elsewhere in this policy.

Children's Privacy

Unless otherwise specified, SafeQuotes' Services are not intended for individuals under the age of 16 (or the applicable age defined by local law) ("Children" or "Child"). SafeQuotes does not knowingly collect or distribute Personal Information from Children. Children are not permitted to use our Services, and we request that they do not submit any Personal Information through them. If you believe your Child has inappropriately submitted Personal Information, please contact us to request its removal. Once we become aware of any information submitted by a Child, we will make commercially reasonable efforts to remove it from our systems. We do not knowingly sell Personal Information of minors under 16 years of age.

6. Data Security

We implement reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include physical, electronic, and procedural safeguards.

Cookies and Other Information Collecting Technologies

In accordance with applicable law, we may use cookies, web beacons, and other tracking technologies (collectively referred to as "Cookies") on our site. A cookie is a small piece of data transferred to your web browser and/or stored on your device as you browse. These Cookies are processed and stored by your web browser. We use Cookies to enhance the Services and provide features tailored to your needs. This section explains how we use Cookies and how you can manage them, particularly those not necessary for the operation of our sites and mobile applications.

The information collected through these tracking technologies may include: (a) Your internet protocol (IP) address, unique device identifiers, location, browser type, and Internet service provider information; (b) Details about when and how you access and use our websites or Services, such as the domains you visit, features used and their duration, the referring website, and date/time stamps associated with your usage; (c) Information about the device used to access our websites or Services, including device type, device ID, and device/browser settings; and (d) The location of the device used to access our websites or Services, derived from GPS or WiFi use.

Cookies can be classified as "Persistent" or "Session" Cookies. Persistent Cookies stay on your personal computer or mobile device even after you go offline, while Session Cookies are removed when you close your web browser. For more information about cookies, visit: All About Cookies.

We distinguish between cookies essential for the technical functionality of the Services and optional cookies used for analytics and advertising.

On our Site, we may use the following types of cookies:

Essential Cookies
These cookies are necessary for our Site to operate properly and allow you to navigate and use its features. Without these essential cookies, the Site may not function smoothly, and we may be unable to offer certain services or features you request. Examples of their use include tracking your sign-in status, monitoring account inactivity, and addressing troubleshooting and security issues.

Analytics Cookies
Analytics cookies help us understand visitor activity on our Online Services, including the number of visitors, the frequency of their visits, and the specific pages they view on our Site. While these cookies provide insights into Site usage and repeat visits, they do not allow us to access personal details such as your name or address. We use Google Analytics for these purposes. For more information about how Google Analytics works, please refer to "How Google Uses Information From Sites or Apps that Use Our Services" at www.google.com/policies/privacy/partners/ or any other URL Google may provide.

You can configure your browser to reject all Cookies or to alert you when a Cookie is being sent. However, if you choose not to accept Cookies, certain parts of our Service may not be accessible to you.

We may use information collected through tracking technologies for various purposes, including:

Enhancing the usability of our Site.
Gathering metrics on user interactions with our Site.
Addressing security concerns.

Do Not Track Signals

Some web browsers include a “Do Not Track” (DNT) feature that signals to websites when a visitor does not want their online activity and behavior to be tracked. Not all browsers offer a DNT option, and there is currently no industry standard for recognizing or responding to DNT signals.

Data Retention

The duration for which we retain your Personal Information depends on the context and purposes for which it was collected. Generally, we keep Personal Information for as long as needed to fulfill the purposes for which it was collected or processed, unless a different retention period is mandated by applicable law.

Linked Third-Party Sites

We may include links to third-party websites through our Services for your convenience. However, these links do not imply endorsement, affiliation, or any representation by SafeQuotes regarding these third-party sites. We do not review, control, or assume responsibility for the content on these third-party websites. By using these links, you will leave our Services. Any Personal Information you provide to these third parties will be governed by their privacy policies, over which we have no control or responsibility. Accessing third-party sites linked from our Services is done at your own risk. SafeQuotes is not liable for any consequences resulting from the use of these third-party websites. We encourage you to review the privacy policies of any third-party site or application to understand how your information is collected, used, and disclosed before providing any Personal Information.

Your Choices and Rights

Promotional Emails: You can opt out of receiving marketing or promotional emails by following the unsubscribe instructions provided in those emails. Even if you opt out, we may still send you service or transactional communications related to your account.
Promotional Text Messages: To stop receiving text messages, you can reply with "STOP" or follow the unsubscribe instructions provided in the text message.
Postal Mailings: If you no longer wish to receive offers or circulars from us, you can opt out by emailing us (our contact information is provided below) with “NO POSTAL MAIL” in the subject line, along with your name and address. Please note that our mailings are often prepared in advance, so you may still receive some mailings that were sent before your removal request was processed.
Editing and Sharing Profile Information: Depending on the Services you use, you may have the ability to create and edit your profile. You can update your profile information and check your settings to ensure you are connected to the appropriate networks and have the correct profile settings.

In certain jurisdictions, such as California, you may have the following additional rights regarding your Personal Information:

Right to Request Access: You can request access to your Personal Information by contacting us at the address provided below. If legally required, we will provide reasonable access to the Personal Information we hold about you. In some jurisdictions, you may also request a notice detailing which categories of Personal Information we share with third parties or affiliates for direct marketing purposes.
Right to Request Deletion: You can request the deletion of your Personal Information by contacting us at the address below. If legally required, we will honor your request to delete your information. However, please note that in many cases, we are required to retain certain Personal Information to comply with legal obligations, resolve disputes, enforce agreements, or for other business purposes.

Right to Request Correction: You have the right to request that we correct or update any inaccurate or incomplete Personal Information we hold about you. Depending on the purpose of the processing, you may also request that we complete any incomplete Personal Information by providing a supplementary statement.

Right to Data Portability: In certain situations, you can request that we provide your Personal Information in a structured, commonly used, and machine-readable format. You also have the right to transfer this information to another entity.

Right of Non-Discrimination/Retaliation: We do not discriminate or retaliate against individuals who exercise their rights as described in this Privacy Policy. However, please note that we may still require the use of your Personal Information as necessary.

Information for Access to Services: Please be aware that exercising your right to deletion may result in losing access to certain aspects of the Services that rely on your Personal Information.

Right to Opt Out of Use of Sensitive Personal Information: You have the right to request restrictions on the processing of your Sensitive Personal Information, where permissible under applicable law. However, we use and disclose Sensitive Personal Information only for the purposes outlined in this Privacy Policy or as permitted by law, and these uses may not be subject to restriction.

If you choose to exercise any of these rights under applicable laws, we will respond within the time frame required by law. Please be aware that these rights may have exceptions and limitations. In some jurisdictions, we may not be required to fulfill certain requests, and in such cases, your request may not be honored. To the extent allowed by law, we may refuse requests that are excessively repetitive, overly burdensome, could infringe on the privacy of others, or are impractical to fulfill. If we are unable to provide the requested information or make the changes you requested, we will explain the reasons for our decision.

To process your request, you must: (i) provide enough information to allow us to reasonably verify your identity or that of an authorized representative; and (ii) describe the request in sufficient detail for us to understand, assess, and respond appropriately. Our verification process may involve requesting additional details to confirm your identity or that of your authorized agent (such as your name, email address, and date of birth) or proof that you have authorized your agent to act on your behalf. If verification is successful, we will respond to your request within the time frame and manner required by law. If we are unable to verify your identity or that of your authorized agent, or if we cannot confirm authorization, we will contact you to inform you of the issue.

If you appoint an authorized agent to submit privacy rights requests on your behalf, we will need to verify that you have granted this permission. You must provide us with a copy of the signed authorization you have given to the agent, and you will also need to verify your own identity directly with us. If you are an authorized agent making a request for someone else, you must include a completed Authorized Agent Designation Form (or an equivalent document) showing that you have the authority to act on their behalf.

SafeQuotes offers two methods for submitting these requests: (1) via email to safequotes1@gmail.com

HOW WE PROTECT PERSONAL INFORMATION

Ensuring the security of your Personal Information is a top priority for us. While we implement appropriate measures to safeguard your data and protect our systems, no method of online transmission or electronic storage is entirely secure, and we cannot guarantee the absolute security of any information shared online.

If you choose to create an online account, you will be asked to set a password. You are responsible for keeping your password confidential and for any activity or access to your account that occurs with your password, regardless of whether it was authorized by you. Please notify us immediately if you become aware of any unauthorized use of your password or account.

7. Your Privacy Rights

As a resident of Virginia, you have certain rights regarding your personal information, including:

The right to access and obtain a copy of your personal information.
The right to request the correction of inaccurate or incomplete information.
The right to request the deletion of your personal information, subject to certain exceptions.
The right to opt out of the sale of your personal information, if applicable.

To exercise your rights, please contact us using the contact information provided below.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will notify you by updating the effective date at the top of this policy and, if necessary, provide additional notice.

MODIFICATIONS TO OUR PRIVACY POLICY

We may update and revise this Privacy Policy from time to time. Any changes will take effect immediately upon posting the revised Privacy Policy. We encourage you to periodically review this page to stay informed about our privacy practices. This Privacy Policy was last updated on the effective date listed above.

9. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

SafeQuotes
Email Address: safequotes1@gmail.com

This Privacy Policy is intended to comply with the laws and regulations of the Commonwealth of Virginia. If there is any conflict between this policy and applicable state law, state law will govern.

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