Information We Collect

At Insuraroo.com, we may collect various types of Personal Information that identifies, relates to, describes, or is capable of being associated with you. This includes identifiers such as your name, physical address, email address, phone number, mobile number, and identity information used to verify your identity. We also collect characteristics of protected classifications under applicable laws, such as your age and date of birth.

Commercial information is another category we gather, which encompasses profile information related to your interests, feedback, communication preferences, customer service and communication history, as well as information about home ownership, energy usage, and utility providers. We also collect internet or other electronic network activity information, including your IP address, log data, analytics data, device ID, and other data collected through cookies, web beacons, JavaScript, and similar technologies.

Geolocation data is collected, including both your general geographic location when viewing our website and your precise location when submitting a registration. We may also collect audio, electronic, visual, or similar information, including recordings of phone calls between us or our customer service providers where permitted by law. Additionally, we record users who fill out our registration pages and retain this information for proof of legal compliance.

Professional or employment-related information may be collected when verifying your identity, which can include the business or organization an individual represents, their title, and information relating to their role within the organization. Demographic information, such as age and date of birth, is also collected. Lastly, we draw inferences from other Personal Information or data, which includes using your information to infer interests and preferences based on our analysis of your trends and those of third parties.

How We Collect Information

We collect Personal Information through various methods. First, we gather information directly from you when you fill out our registration form or contact us directly. This includes information you provide in response to our requests or prompts, as well as information you share when contacting us with questions or concerns.

Secondly, we collect your information automatically when you visit our website. When you interact with our Websites, we use various technologies, such as Google or third-party Tags, cookies, clear GIFs, pixel tags, log files, JavaScript, web beacons, and other technologies or third-party services, to automatically collect Personal Information about you, your viewing device, and your interactions with our Websites.

We automatically collect information about your computer or device, including your Internet Protocol (IP) address, browser type, device type, system type, and the domain name from which you accessed the Websites. Usage information is also collected, including the date and time of your visit, the content and pages you view, the website or app you came from, the page you visit after leaving our site, time spent on the Websites, number of return visits, and other click-stream or usage data.

For legal compliance purposes, we may capture or record your interactions with the Website to confirm that your information was submitted to us. We use third-party service providers to support our Websites, some of which may use technology such as cookies, web beacons, pixel tags, log files, Flash cookies, or HTML5 cookies to receive, collect, and store information on your computer for later access and usage.

We also use third-party analytics and tracking tools, such as Google Analytics and Google Tag Manager for display marketing, to better understand our audience, improve the effectiveness of the Websites and its content, and enhance our marketing efforts. These technologies may use cookies, web beacons, pixel tags, log files, Flash cookies, or other technologies to collect and store information about you, and may combine information from your interaction with the Websites with data from other sources.

Lastly, we acquire Personal Information from third-party sources. If you link to us through a third-party website, email, or service, such as a social media account, we may automatically receive certain information about you based on your registration and privacy settings on those third-party websites or services. We also use third-party service providers to support our Websites and business processes, including services that confirm your identity, verify the truthfulness of the information you submitted, and determine which of our clients we will submit your information to for providing the products and services you seek.

We may obtain Personal Information about you from third-party sources, including commercially available sources, such as data aggregators and public databases. This information may include your name, demographic information, utility usage information and provider, interests, and publicly-observed data. We may combine the Personal Information we receive from you, third parties, and information we automatically collect through the Websites and/or Services, as well as information collected from other online or offline sources, including from third-party sources. This provides us with a comprehensive profile of you, which we may use to provide our services and identify other products and services that may interest you.

How We Use Your Information

We use the Personal Information we collect from and about you for various business purposes. These include providing our Websites and/or Services to you, analyzing, improving, operating, and maintaining our Websites, Services, and systems, and developing new products, services, or marketing initiatives. We also use your information to obtain the information, products, or services that you request from us, which includes passing it on to our clients who provide the products and services to communicate with you directly.

Your Personal Information is used to carry out our obligations and enforce our rights arising from any contracts entered into between you, us, our clients, or other service providers or third parties, involving the services or products you have requested. We provide you and other users with customized content, targeted offers, and advertising on the Websites, across other websites, mobile applications, social media, or online services, or via direct mail, email, and/or telemarketing regarding offers, contests, events, news, programs, and other related and unrelated services and products that we believe may be of interest to you.

We use your information to determine the effectiveness of our marketing programs, including using your data in an aggregated non-specific format for analytical and demographic purposes. Additionally, you have authorized us to use your Personal Information from any source to interact with our clients to provide the services and products you have requested as a result of your registration with us or during any customer services communications.

For interest-based advertising, we use third parties to measure and target advertisements tailored to your online interests or improve our marketing efforts. We allow these third parties to use cookies, web beacons, pixel tags, and similar technologies to collect certain data and other information about your online activity. We also may display interest-based ads through social media platforms or websites, which allows us to personalize our ads based on your shopping experience without having to share your Personal Information with these social media platforms.

Who We Disclose, Share, and Sell Your Personal Information To

We may disclose, share, and sell your Personal Information to various entities and for different purposes. We disclose, share, and sell your Personal Information to third-party product and service providers to provide you with the products and services you have requested through your registration on our Website and Services. We may also disclose and share your information with our parent company and its subsidiaries for business and operational purposes.

Your information is disclosed and shared with third-party contractors and other service providers that we use to support our business, Websites, and Services. In the event of a sale or transfer of business or assets, we may disclose, share, and sell your Personal Information as part of our sale of assets during the normal course of our business. If another entity acquires us or any of our assets, the information we have collected about you may be transferred to such entity. In case of bankruptcy or reorganization, the information we have collected about you may be considered our asset and may be included in the assets transferred.

We may disclose, share, or sell your information to third parties who provide display and/or email services or other third-party vendors we use who provide cookies, pixel tags, web beacons, clear GIFs, or other similar technologies for our and third parties' use on and to manage and improve our advertising campaigns. Your Personal Information may be disclosed to comply with any court order, law, or legal process, including responding to any subpoenas, judicial processes, or government or regulatory requests and investigations. We may also disclose and share your information to third parties to assist us in compliance with laws.

We may disclose and share your information to enforce or apply our terms of service or other agreements, including for billing and collection purposes, with clients, third-party service providers, and other third parties or contractors who provide you with the product or service which you have requested or to protect the security of our Websites, servers, network systems, and databases and enforce our contractual rights with these parties.

In the event of an acquisition or merger, we may disclose, share, sell, and otherwise transfer your Personal Information to a third party who acquires any or all of our business, whether such acquisition is by way of merger, consolidation, or purchase of all or a substantial portion of our assets. Lastly, we may disclose, share, or sell aggregate, anonymous, or de-identified non-personal information to third parties for their marketing or analytics uses.

Your Choices and Opting Out

Regarding cookies and tracking options, you have the ability to decline or adjust these technologies through your device or Internet browser settings to limit certain tracking or to decline cookies. However, please note that by doing so, you may not be able to use certain features on our Websites or take full advantage of all our offerings. For more information on how to delete and/or disable cookies or control your tracking preferences, please refer to your device's settings or your Internet browser's "Help" section.

For interest-based advertising, you have choices for receiving more relevant advertising on the Websites or across other websites and online services. You can learn more about these choices at http://www.aboutads.info/choices/, http://www.networkadvertising.org/choices/, or for your mobile device, at http://www.aboutads.info/appchoices. If you wish to prevent your data from being used by Google Analytics, Google has developed the Google Analytics opt-out browser add-on available at https://tools.google.com/dlpage/gaoptout/. Your mobile device may also allow you to adjust your privacy and advertising settings to control advertising.

To unsubscribe from our marketing communications, we provide our customers, as well as individuals referred by our customers, with the opportunity to opt-out of having their information used for purposes not directly related to placement, processing, fulfillment, or delivery of a product or service. To opt-out of marketing communications or to request to be added to our Do Not Call List or Do Not Mail List, you may use our Contact Us Form. If you do not want to receive marketing phone calls from us, you may also use our Contact Us Form. Once we place your name on our internal "Do Not Call" list, we will no longer call you for marketing purposes (unless you submit another inquiry or request another consultation/quote from us after your initial do-not-call request). We will honor your request as soon as reasonably practicable.

Regarding third-party communications, any third parties to whom we have disclosed, shared, or sold your information may have their own privacy policies which describe how they use and disclose your information and your choices. We encourage you to visit the websites of those third parties to learn about their practices.

Children's Privacy

We do not direct market our Websites to children under the age of 16. We do not knowingly collect any Personal Information from children under the age of sixteen. If we learn that a child under the age of sixteen has provided personally identifiable information to the Websites, we will use reasonable efforts to remove such information from our files.

Data Security

We employ reasonable industry-accepted technology and controls to protect your information and data from disclosure to unauthorized third parties. This includes firewalls, secured facilities, and logged and limited access. Although these measures are generally effective in preventing disclosure, no guarantee can be given that all information you provide to us will not be accessed by unauthorized persons. Therefore, please note that no method of transmission over the Internet or method of electronic storage is 100% secure. Any transmission of information, communications, and data to us or through our Website is at your own risk.

Changes to Our Privacy Policy

We reserve the right to make changes to this Privacy Policy, including collection, use, sale, and sharing of your Personal Information. We do not provide notice of changes except through our posting on this page. We use your information only in the manner described in this Privacy Policy at the time you register your information with us. Please be sure to review this policy each time you communicate or register with us for the latest policy. Your continued use of the Websites and/or Services after we post a change in the Privacy Policy means you accept those changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, you can contact us through our Contact Us Form or by calling our contact number, (302) 493-5435.

California Resident Rights

California residents have additional rights under the California Consumer Privacy Act of 2018 (CCPA) and as amended by the California Privacy Rights Act (CPRA). These rights include the right to know what personal information is collected, the right to request deletion of personal information, the right to opt-out of the sale of personal information, and the right to non-discrimination for exercising these rights.

California residents can exercise their privacy rights by submitting a request through our CCPA Request Form or by calling (302) 493-5435. Before processing a request, we will need to verify the identity of the requester and confirm they are a resident of California. We will process requests to opt-out of sales within 10 business days and all other privacy requests within 45 days, subject to any applicable exceptions and extensions permitted by law.

Regarding the retention of Personal Information, we retain it as long as necessary to fulfill the purpose for which it was collected, as required by applicable laws, rules, regulations, or contractual provisions. We will retain your Personal Information for commercial marketing purposes until you request we cease further efforts or request deletion of your Personal Information. Once retention is no longer necessary, we will either delete or de-identify the Personal Information or, if this is not possible, securely store it and isolate it from further processing until deletion or de-identification is possible.