This privacy statement covers the website InsuranceDesk.com (the "Site") and is applicable to all information about you collected through the Site.
InsuranceDesk.com ("InsuranceDesk.com", "we", "us" or "our") discloses the information collection and usage practices applicable to the Site in this Policy. This Policy describes the types of information that InsuranceDesk.com gathers from you and the other people who visit the Site (the "Users") and how we may use that information. By providing any information, you agree to our use of that information consistent with this Policy.
Please read this Policy carefully before providing us with any information. If you have questions about this Policy, e-mail us at info@InsuranceDesk.com.
All Users have the option of providing various types of personally identifiable information to us through the Site. For example, you may choose to provide us your personally identifiable information, including, but not limited to, information such as your name, mailing address, telephone number, e-mail address, or age. We collect this personally identifiable information when you, at any point, manually enter it into any online form available on the Site. We may store all or some of that personally identifiable information in a cookie file on your hard drive, so that our systems will recognize you each time you visit the Site. In that way, we can save your preferences from visit to visit and present you with a customized version of the Site, without requiring you to log into the Site every time you visit. We may also store your personally identifiable information in our systems for use in other ways as described in this Policy.
In order for you to take full advantage of the Site, we encourage you to provide your personally identifiable information to us. Providing your personally identifiable information is, however, voluntary. You may choose not to provide us with your personally identifiable information by simply not entering it on the Site. While you still will have access to the Site even if you do not provide us with your personally identifiable information, you should understand that you will not be able to use certain of the services or features available through the Site that require you to enter your personally identifiable information in order to function.
If you do not input any of your personally identifiable information, then the information we collect from you is limited. For example, we log your IP address in order to help us to diagnose problems with our server, administer the Site and track usage statistics. Your IP address may vary each time you visit, or it may be the same, depending on whether you access the Site through an always-on type of Internet connection (such as cable or DSL), or through a dial-up connection. Either way, it would be very difficult for us to personally identify you through your IP address. If you reached the Site by clicking on a link or ad from another website, then we may also log that information. This helps us to maximize our Internet exposure and to understand the interests of our Users. All of this information is collected and used only in aggregated form; that is, it is entered into our database, where we can use it to generate overall anonymous reports on our Users.
We may also employ a software technology called "clear gifs," which would help us better manage content on the Site by informing us what content is effective. Clear gifs are tiny graphics with unique identifiers, similar in function to cookies, and are used to track the online movements of web users. In contrast to cookies, which are stored on a User's computer hard drive, clear gifs are embedded invisibly on websites and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to Users' personally identifiable information.
The Site is not intended for children under the age of 16, and InsuranceDesk.com does not knowingly collect or use personally identifiable information from children under the age of 16.
We may use the Information that you provide to us to, among other things:
Please understand that InsuranceDesk.com may contract with other third parties to provide various services to InsuranceDesk.com relating to the Site on an outsourced basis rather than performing the services itself. For example, we may contract with an e-mail provider to handle the distribution of e-mail messages to Users of the Site. Likewise, we may contract with a website hosting provider to host the Site for us. By visiting the Site, all Users consent to InsuranceDesk.com providing all information (whether or not personally identifiable) received or collected from those Users to such third party providers for the purpose of enabling the third party provider to provide these outsourced services to us. In addition, all Users consent to the collection, maintenance, and processing of their information (whether or not personally identifiable) by InsuranceDesk.com and these third party providers.
This privacy statement describes InsuranceDesk.com's potential uses of your information. If you do not agree to our potential uses of your personally identifiable information as we have described for you, you are not required to provide that information to us. In addition, if we send e-mails to you, you may opt out of receiving non-administrative e-mails from us simply by responding to the opt-out link provided on all e-mail communications from InsuranceDesk.com.
From time-to-time our Site may request information from Users via surveys or contests. Participation in these surveys or contests is completely voluntary and the User therefore has a choice whether or not to disclose personally identifiable information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code). Contact information will be shared with the contest or survey sponsors to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of the Site. Though we may use an intermediary to conduct these surveys or contests, these intermediaries will not use the Users' personally identifiable information for any secondary purposes.
Please be aware that InsuranceDesk.com's affiliated insurance institutions, promotional partners, aggregators, advertisers, sponsors, and other third-party websites accessible through the Site may have their own privacy and data collection policies and practices. InsuranceDesk.com is not responsible for any actions, content of websites or privacy policies of such third parties. You should check the applicable privacy policies of those third parties when providing personally identifiable information through linked websites.
As you might expect, InsuranceDesk.com must cooperate with legal authorities, and may in some circumstances be required to disclose information (including personally identifiable information) in response to requests from law enforcement authorities, or in response to a subpoena or other legal process. We don't expect this to happen, but if it does, we will provide only the information required. We can also turn over information about you if we believe we must in order to prevent a violation of the law, and by accepting this Policy, you consent to our right to do so, in our sole discretion. You also consent to our disclosing information about you in the course of legal proceedings if we believe we are legally required to do so, if we reasonably believe that doing so may mitigate our liability, or if doing so will assist us in enforcing our legal rights.
At some point, InsuranceDesk.com may establish subsidiaries or other related companies, or merge with or be acquired by another company. When that happens, then we may disclose to them your information, in which case we will request them to abide by this Policy. We may also disclose some information to a potential acquirer, although such disclosure would be subject to normal and customary requirements.
If we change this Policy, we will post the amended Policy on the Site so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this Policy at any time, so please review the Site frequently for any changes. Amendments to this Policy will be posted on the Site and will be effective when posted. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted, the changes to any amended or revised Policy by your continued use of our services or the Site.
Of course, InsuranceDesk.com will take reasonable measures to secure the information Users provide to us, using industry-standard methods. All information is protected by password and accessible only to authorized InsuranceDesk.com personnel. However, there is a remote possibility that Internet transmissions containing a User's personally identifiable information may be intercepted by others. There is no way for us to ensure the privacy of User information before it arrives at the Site or after it leaves the Site.
If you have questions specifically about this Policy, or to legal issues pertaining to the practices of the Site or your use of the Site, please contact us.
222 Third Street
Cambridge, MA 02142