Privacy Policy

This privacy policy was last updated on March 15, 2024

InsureAdviceNow.com is committed to protecting your private information. This Privacy Statement describes the information that we collect when you visit our site. It also describes how we use that information, and how you can update any collected personal information. We reserve the right to append or otherwise modify this Privacy Statement at any time. Please revisit this page occasionally to check for updates.

Telephone Consumer Protection Act Compliance

If you provide a cell phone number with your contact information, Insurance Solutions and/or Insurance Solutions’ clients may dial this number, possibly using an autodialer, to provide quote information and/or seek additional information in order to provide a quote. By providing a cell phone number, you agree to be contacted at that cell phone number, regardless of whether you, or someone else, is in possession of the cell phone when contact is made. Entering into this agreement is not a condition of purchasing any goods or services.

Information We Collect

Insurance Solutions collects various types of information from our visitors in order meet our users’ needs and expectations and to enhance security. Some of this information is collected automatically, through a text file known as a “cookie.” or similar technologies. Other information is collected when you register for any of our online services, or when you request information from one of our insurance partners. You can refuse cookies by turning them off in your browser. If you do so, please note that some of our features and services may not function properly if your cookies are disabled.

Information Collected Automatically

Some information is automatically sent to Insurance Solutions by your browser or Internet session each time you visit our site. These types of information include:

• The name of your browser, e.g., Internet Explorer, Chrome, etc.

• Your Internet domain, e.g., AOL, Netcom, Earthlink, etc.

• Your computer’s operating system, e.g., Windows, Macintosh, UNIX, Linux.

• Your navigation path, e.g., the URL(s) that you use to access our site, which of our pages you visit, and where you go when you leave.

• Your IP address.

This information allows us to see how users are finding our site, and which pages are visited the most often. We can then use this information to make our web site more useful and more user-friendly.

Third Party Advertisers

Insurance Solutions works with third party advertisers and other vendors to serve ads and collect data on our sites. These companies may use information (including your name, address, email address, or telephone number) about your visits to these and other websites in order to provide advertisements on these sites and other websites about goods and services that may be of interest to you. We market insurance services, home services, debt products and other money saving products. Our network of advertisers include, but are not limited to the following: AIFY, Quote Source LLC., Insurance Solutions.

Information You Provide to Us

In addition to the information automatically collected by your browser, Insurance Solutions also collects information that you provide to us when you request quote information.

Our web site provides users with the opportunity to request quote information from insurance providers and brokers. To do this, we collect contact information (name, address, phone number, email address, gender, age, work experience, etc.) as well as information relevant to the applicant’s insurability (driver history, vehicle usage, etc.). This contact information is then provided to the insurance partners from which the user has requested quote information.

Insurance Solutions uses cookies to store contact information for each user. If the user uses our site to make further requests for quote information. Their contact information will automatically be used to pre-populate contact forms. Insurance Solutions also collects customer interest information (e.g., Requests for E-Mail Newsletters) to determine what information the customer wishes to be sent after using our service.

By submitting a quote request, you authorize Insurance Solutions to provide your information to insurance agents, both local and national. You also authorize Insurance Solutions to provide your information to one of our third party agent networks in the event that our primary agent network has few or no agents in your zip code. You authorize these agent networks to share your information with their vendors, suppliers, and insurance carriers in order to generate information for your quotes. By submitting a quote request, you acknowledge that Insurance Solutions’ service requires you to agree that our partner companies may obtain a consumer report or credit score from a consumer reporting agency (also known as a credit bureau) and that these partner companies do not have the right to obtain a consumer report or credit score without your written instruction which you are granting by clicking the submit button. Accordingly, by submitting a quote request you instruct consumer reporting agencies to provide a consumer report or credit score on you to these partner companies if requested within a reasonable date from the time you submit information to Insurance Solutions. In the event that one of our partner companies obtains this credit information that partner company will not share this information with any other party, including insurance carriers, but insurance carriers may elect to obtain credit information on their own in connection with the quoting and underwriting of the requested insurance. Where permitted by law, some insurance companies or their agents may confirm your information, through the use of consumer reports, which may include credit score and driving record.

How We Use This Information

The information that is automatically collected by this web site allows Insurance Solutions to further develop and improve the layout, design, and usability of the site, in order to better serve your Internet needs. Information you provide to us is used for marketing purposes, and may result in follow-up communications.

How Our Insurance Partners May Use This Information

IMPORTANT: All proposed named insured listed on this application must be made aware of the following:

In order to provide you with the most accurate quotes possible, insurance companies may need to obtain additional background information about you. As an example Consumer reports may be ordered in connection with your insurance application. These reports provide information that may assist in determining your eligibility for insurance and the price you may be charged. Consumer reports may also be used for updates, renewals or extensions of this insurance. The insurance company may also obtain and use a credit-based insurance score based on information contained in your credit report. The insurance company may use a third party in connection with the development of the insurance score.

Your Rights—Our Obligations

If you wish to review or update the personal information that Insurance Solutions has collected from you, email us at

[email protected]

. To protect your privacy and better safeguard your information, we will also take reasonable steps to verify your identity before granting access or making corrections.

Our Security Measures

Our web site has security measures in place to protect against the loss, misuse, and/or alteration of the information under our control.

Business Transfers

Personal information may be transferred as a result of acquisition, merger, or sale in bankruptcy. In such cases, the acquiring company will be required to honor the promises in this privacy policy and obtain your consent to any material changes in how your information is handled.

Compliance with Law

Insurance Solutions reserves the right to disclose your personal information if required to do so by law, or in the good faith belief that such action is reasonably necessary to comply with legal process, respond to claims, or protect the rights, property, or safety of our company, employees, customers, or the public.

Why We Use "Cookies"

When you visit our site, we use cookies to keep track of your information. A "cookie" is a small piece of program code that resides on your computer and stores your contact information for all of our "Request Information" sites. Each time you visit our site, the cookie uses the stored information to pre-populate our online forms, so that you do not have to re-enter your contact information as you move from one site to another.

Links From Our Site To Other Sites

Some of our sites may contain links to other sites external to our sites. When you access these external web sites, the providers of the sites will have access to certain information about you. Insurance Solutions is not responsible for the privacy practices or the content of any web sites which we do not directly control.

CCPA

This Privacy Notice for California Residents supplements the information contained in Insurance Solutions privacy policy and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.

INFORMATION WE COLLECT

The

InsuranceSolutionsProviders.us

website (the “Site”) collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, the Site has collected the following categories of personal information from its consumers within the last 12 months when the information is directly submitted by the consumer:

Category Examples Collected

A. Identifiers. A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers. YES

B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.

Some personal information included in this category may overlap with other categories. YES

C. Protected classification characteristics under California or federal law. Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). YES

D. Commercial information. Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. NO

E. Biometric information. Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. NO

F. Internet or other, similar network activity. Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement. NO

G. Geolocation data. Physical location or movements. YES

H. Sensory data. Audio, electronic, visual, thermal, olfactory, or similar information. NO

I. Professional or employment-related information. Current or past job history or performance evaluations. NO

J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. NO

K. Inferences drawn from other personal information. Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and

aptitudes.NO

Personal information does not include:

• Publicly available information from government records.

• De-identified or aggregated consumer information.

• Information excluded from the CCPA’s scope, like:

-health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;

-personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

Insurance Solutions obtains the categories of personal information listed above from the following categories of sources:

• Directly from you. For example, from forms you complete or products and services you purchase.

• Indirectly from you. For example, from observing your actions on our Site.

USE OF PERSONAL INFORMATION

We may use or disclose the personal information we collect for one or more of the following business purposes:

• To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders or process returns. If you submit a story about your experience with Insurance Solutions, we may post that story on our Site, without identifying you by name or address.

• To provide, support, personalize, and develop our Site, products, and services.

• To create, maintain, customize, and secure your account with us.

• To process your requests, purchases, transactions, and payments and prevent transactional fraud.

• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.

• To personalize your Site experience.

• For testing, research, analysis, and product development, including to develop and improve our Site, products, and services.

• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.

• As described to you when collecting your personal information or as otherwise set forth in the CCPA.

Insurance Solutions will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

SHARING PERSONAL INFORMATION

Insurance Solutions may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We share your personal information with the following categories of third parties:

• Subsidiaries and affiliates.

• Service providers.

• Data aggregators.

• Third parties with whom we partner to offer products and services to you.

DISCLOSURES OF PERSONAL INFORMATION FOR A BUSINESS PURPOSE

In the preceding 12 months, Insurance Solutions has disclosed the following categories of personal information for a business purpose to the parties identified above:

Category A: Identifiers.

Category B: California Customer Records personal information categories.

Category C: Protected classification characteristics under California or federal law.

Category D: Commercial information.

Category E: Geolocation data.

SALES OF PERSONAL INFORMATION

In the preceding 12 months, Insurance Solutions has not sold any personal information of site visitors unless a lead form was submitted directly by the consumer.

YOUR RIGHTS AND CHOICES

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

ACCESS TO SPECIFIC INFORMATION AND DATA PORTABILITY RIGHTS

You have the right to request that Insurance Solutions disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will disclose to you:

• The categories of personal information we collected about you.

• The categories of sources for the personal information we collected about you.

• Our business or commercial purpose for collecting or selling that personal information.

• The categories of third parties with whom we share that personal information.

• The specific pieces of personal information we collected about you (also called a data portability request).

• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:

o sales, identifying the personal information categories that each category of recipient purchased; and

o disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

DELETION REQUEST RIGHTS

You have the right to request that Insurance Solutions delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.

2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.

3. Debug products to identify and repair errors that impair existing intended functionality.

4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.

5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).

6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.

7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.

8. Comply with a legal obligation.

9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

EXERCISING ACCESS, DATA PORTABILITY, AND DELETION RIGHTS

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by contacting us at:

Insurance Solutions at

[email protected]

Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.

• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

RESPONSE TIMING AND FORMAT

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.

If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

PERSONAL INFORMATION SALES OPT-OUT AND OPT-IN RIGHTS

If you are 18 years of age or older, you have the right to direct us to not sell your personal information at any time (the “right to opt-out”). We do not sell the personal information of consumers we actually know are less than 18 years of age.

Definitions

Cookies

Data created by a web server that is stored on a user's computer. A cookie provides a way for the web site to keep track of a user's patterns and preferences and, with the cooperation of the Web browser, to store them on the user's own hard disk.

The cookies contain a range of URLs (web addresses) for which they are valid. When the browser encounters those URLs again, it sends those specific cookies to the Web server. For example, if a user's ID is stored as a cookie, it saves that person from typing in the same information all over again when accessing that service for the second and subsequent time during the same browser session.

You can opt out of the use of cookies by having your browser disable cookies or warn you before accepting a cookie. Look for the cookie options in your browser in the Options or Preferences menu.

IP (Internet Protocol) Address

This is the address of a computer attached to a TCP/IP network. Every client and server station must have a unique IP address. Client workstations have either a permanent address or one that is dynamically assigned for each dial-up session. IP addresses are written as four sets of numbers separated by periods; for example, 204.171.64.2.

Browser Session

A browser session is defined as the period of time a browser is in consecutive use. The session begins when you open the browser and ends when you close it. When you re-open the browser, you begin a new session.

SSL Encryption (Secure Sockets Layer)

All information submitted through Insurance Solutions is encrypted using SSL (Secured Sockets Layer) protocol, The leading security protocol on the Internet. When an SSL session is started, the browser sends its public key to the server so that the server can securely send a secret key to the browser. The browser and server exchange data via secret key encryption during that session. Insurance Solutions also uses SSL encryption whenever we display your personal information (e.g. name and address) on our website.

URL (Uniform Resource Locator)

An Internet address. URLs are used to locate sites on the Internet and to navigate between sites and pages within sites. The URL for Insurance Solutions is

www.insurancesolutionsproviders.us

Opting Out of Communications

To opt-out of communication, please contact us at

[email protected]

or mail us at 8776 E. Shea Blvd., Suite 106 - 461 Scottsdale, AZ 85260

Contacting Us

If you have any questions or concerns about our company or this Privacy Policy, please email us at

[email protected]