Updated January 1, 2020
While we do not provide quotes or rates for services directly to consumers, when you submit your information through our Sites or Webforms you are instructing us to share your information with those Third-Party Partners in our network to determine and present to you the most relevant services offered by such Third-Party Partners that may be of interest to you for a quote or rates. We are the Data Controller with respect to information collected on our Sites, information you enter into our Webforms that appear on Third-Party Partner's websites, information collected from you when you initiate a call to us or that we initiate (or our Third-Party Partners initiate on our behalf) to you with your consent, and any other information you choose to provide to us.
How we collect and use your information (including your personal information) is as further described below. For each method of collection detailed below, we use the information you provide to us to provide our services to you, to communicate with you, to process your request, to understand how our services are used, to improve our services, and to comply with applicable laws.
Sites and Webforms. As mentioned above, when you complete an online form on our Sites or when you complete our Webform embedded on a Third-Party Partner's website we collect and use your information (including your personal information) to respond to your request for quotes and rates for products and services offered by such Third-Party Partners. For example, you may be asked to provide your name, address, telephone number, email, and other information in order to be matched to insurance carriers and agents who may provide you a quote for their insurance services. Or you may be asked to provide home and destination airports and travel dates so that we can show you flight and hotel options. The categories of information you can provide to us through our Sites and Webforms depends on the nature of the Third-Party Partner's products and services for which you are requesting quotes or rates.
Automatic Collection. We may also collect other information from you through automatic means such as device type, browser type, IP Address (which is treated as personal information in some jurisdictions, but which we use only to identify your geographic area and to comply with applicable laws) or other demographic and usage information.
Telephone Calls and Email. We may collect information from you during phone calls that you initiate to us or that we or our Third-Party Partners may initiate (on our behalf) with your prior consent to you or when you send us correspondence by mail or email. The categories of information we collect from you or that you can provide to us through calls, mail, and email depends on the nature of the Third-Party Partner's products and services for which you are requesting quotes or rates and the purpose of your call, mail, and email to us.
Offline and Other Sources. In addition, we might receive information about you from other online or offline sources and we may combine such information with the information you have provided.
We share the information we collect from you including personal information under the following circumstances:
Our agreements require Third-Party Partners to secure any personal information we provide to them and limit how they can use such information. Our agreements also require these Third-Party Partners to comply with national, state, and other applicable privacy regulations. By submitting your request to us, you understand that we and our Third-Party Partners may contact you by telephone (including through automated calling or using recorded messages), text messages (SMS), email, or postal mail based on the information you provide to us, in order to process and fulfill your request or to market additional products and services that might be of interest to you.
Service Providers. In order to provider our services to you we may share your information with our third-party vendors, suppliers, and service providers. As with our Third-Party Partners, our agreements require such vendors, suppliers, and service providers to secure any personal information we provide to them and limit how they can use such information. Our agreements also require these vendors, suppliers, and service providers to comply with national, state, and other applicable privacy regulations.
Aggregate, Non-Personal, or De-identified Information. We may share deidentified aggregated information (i.e., information about you and other users collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information we collect, with third parties to optimize their ability to reach their target markets.
Do Not Track. Some web browsers may transmit "do not track" signals. We do not take action to respond to do not track signals available on some browsers. This is because web browsers may incorporate or activate these features differently, making it unclear if users have consciously activated them. As a result, at this time we do not take steps to respond to such signals. You can manage your cookie preferences using your own browser settings to accept or block some or all cookies or receive notice so you can consent to cookies. If you block all cookies some features of our Sites may be unavailable or limited.
If you do not consent, you will still be able to use the Site, but certain functionality may be limited. To enable this feature, we use third-party tools to determine your geographic location; if these tools indicate that you are in the EEA, then we treat your visit as above. If you feel that you are subject to the GDPR, but we have nonetheless used cookies in connection with your visit without consent - which may be due to a failure of the third party geolocation tools; your use of a proxy server, your location outside of the EEA at the time of your visit; or some other factor beyond our control – please notify us at dpo@ConsumerInsuranceReport.com with any relevant details so that we can ensure proper treatment of your data under GDPR.
By providing your contact information to us, you are registering to receive communications from us directly or through a third-party. If you provide your e-mail address and request to be added to any of our travel deal or other mailing lists, we will periodically send you newsletters and other e-mails with offers and promotions. Our emails will always identify Consumer Insurance Report or one of our branded sites as the sender. If you no longer wish to receive these communications, please let us know by sending an email to Customer Care at info@ConsumerInsuranceReport.com. You may also opt-out by clicking on the unsubscribe link in our emails.
Please note that we only control our own mailing list and policies. Third-party advertisers that maintain their own mailing lists may send communications that advertise our services. You would need to contact these parties directly in order to stop receiving their email communications.
The security of your personal information is very important, and we take a number of steps to safeguard it. For example, we limit access to personal information to those employees or agents who need the information to provide requested products and services to you. We also maintain physical, electronic, and procedural safeguards that comply with or exceed federal standards to guard your personal information, and we anonymize or expunge data when it is no longer necessary to provide services to our users or substantiate records for our partners.
Upon request via email or mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your email address or postal address that we have on file for you. To obtain, modify, correct, change, update or remove your personal records from our database, please send your request via email to our Data Protection Officer at dpo@ConsumerInsuranceReport.com. We may ask you for additional information to verify your request before providing any personal information to you or to process your request to update or remove your personal information. If you are a California or Nevada resident, see the Special Notice to California Residents and the Special Notice to Nevada Residents below for additional information on your rights and choices in managing your personal information.
If you reside in California, we are required to provide additional information to you about how we use and disclose your information and any additional rights with regard to how we use your information. We have included this California-specific information below.
Shine the Light. California residents may, no more than once per calendar year, request information about our disclosures of certain categories of personal information to third parties for direct marketing purposes. To be valid, requests must be submitted to us at dpo@ConsumerInsuranceReport.com. Within thirty days of receiving this request, we will provide a list of the categories of personal information disclosed for direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of the third parties.
Uses and Disclosure of Your Information.
Consistent with the "Information We Collect and How We Use Your Information" section above, we collect certain categories and specific pieces of information about individuals that are considered "personal information" in California. As detailed above, we may collect this personal information from you and other third parties. We collect, share, and disclose personal information for business and commercial purposes as described in the "Information We Collect and How We Use Your Information" and "Information Sharing and Disclosure" sections above.
Rights regarding your information:
Access, Deletion, and Information. Subject to certain exceptions, as a California resident, you have the right to: (i) access your personal information; (ii) obtain deletion of your personal information; and (iii) receive information about the categories of personal information about you that we have "sold" (as that term is defined under California law) to third parties and also that we have disclosed for business purposes. To exercise these rights:
Keep in mind that, if you opt out of the collection and use of information via cookies and other tracking technologies, you may still see customized advertising displayed by advertising networks from which you have not opted out. In addition, your opt-out will not prevent any advertising network from displaying advertising that is not customized to you and your interests and, consequently, may be less relevant to you. Please also note that you will need to make such choices on each browser and device you may use to visit our Sites.
If you wish to put on file with us your preference to opt-out of our sharing of your personal Information with third parties for such third parties' direct marketing purposes or to find out more about your opt-out rights, please see our "Do Not Sell My Personal Information" form.
Subject to certain exceptions, some of our data sharing practices may be considered a "sale" of your personal information under Nevada Revised Statutes 603A. Nevada residents may opt-out of the "sale" of personal information covered under the statute, by exercising your cookie consent options as detailed in the "Information Collection Technologies and Cookies" section above or by completing our "Do Not Sell My Personal Information" form.
To the extent the laws of another jurisdiction apply to your data or use of the Sites, we will comply with such laws.
Consumer Insurance Report
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Los Angeles, CA 90017
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