INSURPECT RESPECTS YOUR PRIVACY
Protecting your privacy is very important to us. Members like you have trust us with your business needs, and we take our obligation to safeguard and secure your personal information very seriously. We want you to understand how we protect your privacy and when we collect and use your information.
TABLE OF CONTENTS
- THE INFORMATION WE COLLECT
- THE INFORMATION WE DISCLOSE
- CONFIDENTIALITY AND SECURITY
- YOUR SECURITY IS IMPORTANT
- ADDITIONAL INFORMATION FOR OUR INTERNET USERS
- WHAT TO DO IF YOU HAVE PRIVACY OR SECURITY CONCERNS
- We obtain personal information from you directly, from your transactions with us, and from third parties such as state licensing departments.
- We do not collect personally-identifying information from you when you visit our Web site or online services unless you affirmatively provide it to us.
- We do not allow third parties to collect personally-identifying information from your computer or mobile device when you visit our Web site or use our online services.
- We will not sell your information to third parties.
- Any third parties who perform services for us are required to safeguard any membership information and may only use it in connection with performing those services.
- We extensively secure and limit access to your information.
- We protect information about potential, current, and former members and their submitted information.
THE INFORMATION WE COLLECT
Non-public personally identifiable information (“Information”) is information that identifies you and is not available to the general public. The following sections tell you more about how and when we collect your Information.
INFORMATION WE OBTAIN FROM YOU
During the onboarding, application, referral or opportunity handling processes you may give us Information such as your:
- Phone number
- Email address
- Social Security number
- Driver’s license number
- Date of birth
If you gave us your email address, INSURPECT may use it from time to time to notify you of such things as new services, special offers, or to confirm transactions. If you do not wish to be contacted by email for non-policy related communications, you may unsubscribe by following the instructions at the bottom of any INSURPECT email you receive.
If you are a member, you can log in to your account at insurpect.com, click on “Update Email Preferences” on your account settings and choose the level of communication you’d like to receive from us. If you have not yet enrolled online, you will need to enroll with insurpect.com to update your email preferences.
INFORMATION ABOUT YOUR TRANSACTIONS
We may collect Information about your transactions and experiences with us and others, such as your payment history, referrals, opportunities, and other changes.
INFORMATION FROM THIRD PARTIES
We may receive Information about you from consumer and business reporting agencies, which provide us with reports, and/or credit information where permitted by law. When you apply for a membership, we may obtain agent information if permitted by applicable state law.
Our sales and service representatives do not have access to the details of your credit information. Other companies who view your credit report will not see the INSURPECT inquiry. It will be visible only to you. Our inquiry will not affect your credit score or credit rating. If you commit to subscribe to a membership with INSURPECT, we will also confirm your status as a registered agent. As permitted by law, we may also review your agent registration, and/or credit information in connection with any renewal.
Your current location is only determined if you permit our services to do so. If you allow your location to be obtained using a INSURPECT app, or with a browser, we will use this information to return your estimated location. We use this information solely to distinguish your current location and not to identify you. INSURPECT does not automatically track your location.
ACCESS AND CORRECTION OF PERSONAL INFORMATION
If you are a resident of Arizona, California, Connecticut, Georgia, Illinois, Maine, Minnesota, Montana, Nevada, New Jersey, North Carolina, Oregon, or Virginia, you have the right to access and correct the personal information that we have collected from or about you. To do so, simply contact INSURPECT’s membership service department. If you’d like to correct information that you provided to us, our representative will make the appropriate adjustments to INSURPECT’s records. If you wish to correct personal information provided to INSURPECT by a third party (such as a credit rating agency) the representative will provide you with the applicable third party’s contact information.
Upon the request of residents of other states, we will take reasonable steps to verify the accuracy of the personal information in our records.
THE INFORMATION WE DISCLOSE
Information about our members or former members will only be disclosed as permitted or required by law. Information about you that has been collected is maintained in your membership and/or records.
We use this Information to process and service your membership; to settle claims; with your consent; or as directed by you. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize. Information about our former members and about individuals who have obtained information from us is safeguarded to the same extent as Information about our current members.
Following are some examples of how we may disclose Information:
We must exchange Information about you with our members, investigators, attorneys, and other persons who are or will become involved in processing your transactions or any claims you may make.
We may share Information with persons or organizations that we have determined need the Information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative functions. If the law in your state permits, we may share Information with financial institutions with which we have a joint-marketing agreement. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided.
Information may be provided to organizations conducting actuarial research or audits. In this case, you will not be individually identified in any research report. The organization must agree not to redisclose the Information and the Information will be returned to us or destroyed when it is no longer needed.
We may also share your Information for other permitted purposes, including:
- with insurance-support organizations that detect and prevent fraud
- with state insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected fraud or illegal activities
- if ordered by a subpoena, search warrant or other court order
CONFIDENTIALITY AND SECURITY
We restrict access to your Information to employees who we have determined need it in order to provide products or services to you. We train our employees to safeguard membership information, and we require them to sign confidentiality and non-disclosure agreements. We maintain strict physical, electronic, and procedural safeguards to protect your Information from unauthorized access by third parties.
YOUR SECURITY IS IMPORTANT
Please see our Security Policy for further information on how we protect your information on the Internet.
ADDITIONAL INFORMATION FOR OUR INTERNET USERS
We continuously improve insurpect.com. We are interested in how visitors use our website, what they like and dislike, and where they have problems. We may gather data on how users navigate our site so we can make insurpect.com an easy place to do business. Our tools may gather data such as what browser a person uses or even what pages are most popular.
Insurpect.com may place small pieces of computer code (embedded objects) on our pages to help our advertising partners count how many members they referred to our site. We may use these objects to track how many referred members actually onboard. We may also use objects placed on other sites to monitor your exposure to our advertising or other offers online. These objects don’t collect any personally identifiable information about you. You can opt out of our advertising service provider(s) and other companies’ tracking cookies used for interest-based ads by visiting the Digital Advertising Alliance’s aboutads.info/choices.
WHAT TO DO IF YOU HAVE PRIVACY OR SECURITY CONCERNS
If you have a concern about privacy or security at INSURPECT, we want to hear about it by mail or email. Please write to us at:
Tampa, FL 12345
or email us at:
The effective date of this revised policy is January 1, 2017.
© 2017 INSURPECT