Last Modified: November 25, 2020
This policy applies to information we collect:
- On the Website.
- In email, text, and other electronic messages between you and us or the Website.
- Through mobile and desktop applications you download from the Website, which provide dedicated non-browser-based interaction between you and the Website.
- When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to the Website.
It does not apply to information collected by:
- Us offline or through any other means; or
- Any third party (other than our affiliates), including through any application or content (including advertising) that may link to or be accessible from or on the Website.
Information We Collect and How We Collect It
You can visit the Website without telling us who you are or revealing any information about yourself, including your email address. In this case, our web servers may collect the name of the domain you used to access the internet (e.g., aol.com) and the website you came from and visit next. This information is used by us and our business partners to measure the number of visits, average time spent, page views and other statistics about visitors to our Website in general. We also use this data to monitor the Website’s performance and to make the Website easier and more convenient to use.
There are times when we may ask you for information about yourself to assist us in meeting your various needs. In these cases, your browsing will no longer be anonymous to us. To provide these services, we may need to ask you directly to provide, among other things, your name, Social Security number, physical address, ZIP code, email address and phone number.
Please note that we do not knowingly solicit or collect information from children under 18 years of age, and we do not knowingly market our products or services to children under 18 years of age. If you are under 18 years of age, do not use or provide any information on the Website or through any of its features, register on the Website, use any of the interactive or public comment features of the Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received information from a child under 18 without verification of parental consent, we will delete that information.
How We Use Your Information
We may use the Information that we collect about you or that you provide to us for any purpose, including, but not limited to:
- Providing you with information or materials you have requested
- Contacting you for the potential purchase of insurance or other financial products
- Personalizing our contact with you
- Operating, providing, improving and maintaining our Website
- Developing new products and services
- Preventing abusive and fraudulent use of our Website
- Sending you administrative messages, content and other services and features in which we believe you may be interested
- Any other administrative and internal business purposes permitted by law or described when you provide the Information
Protection of Your Information
We maintain a variety of security measures to protect against the loss, misuse and alteration of Information under our control. Although we make good-faith efforts to maintain the security of your Information, we cannot guarantee that it will remain free from unauthorized access, use, disclosure or alteration. Further, we cannot guarantee that our security measures will prevent unauthorized persons from accessing or obtaining your Information. We are not responsible for and assume no liability to you or any other party in relation to the unauthorized access, use or alteration of any Information provided to us.
Notification in the Event of Data Breach
Although we make good-faith efforts to maintain the security of your Information, we cannot guarantee that it will remain free from unauthorized access, use, disclosure or alteration. In the event your PII is breached by an unauthorized party, we will comply with your applicable state law in notifying you of the breach.
Accessing or Correcting Your Information
Sharing Information and Consumer Choice
When you provide Information to us, we may share your Information, to the extent provided by applicable law, with our affiliated companies and third parties for the purpose of fulfilling your requests, as well as offering you other services that may be of interest to you. We may disclose your Information for any purpose disclosed by us when you provide the Information or with your consent. Your Information is not shared with any third party, unless requested by you or permitted or required by law. Under no circumstance will we sell your Information or transfer your information to any ad network, ad exchange, data broker or other advertising or monetization related service. We may also aggregate statistics that we gather about our customers, sales, traffic patterns and services, and provide these statistics to third parties; however, when we do, these statistics will not include any personal information that identifies individuals.
Cookies and Web Beacons
Pages of the Website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related Website statistics (for example, recording the popularity of certain Website content and verifying system and server integrity).
Your California Privacy Rights
If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit https://oag.ca.gov/privacy/ccpa.
Handling of ‘Do Not Track’ Signals
The California Online Privacy Protection Act (“COPPA”) provides that a website operator must:
“Disclose how the operator responds to web browser ‘do not track’ signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services, if the operator engages in that collection.”
It is important for you to know that we do not engage in the type of collection referenced in the COPPA.