Privacy & Security Policy

General Privacy Statement for Individual U.S. Personal Insurance Consumers What we mean when we talk about "privacy"

Your privacy is important to us. When we sell an insurance policy to a person we need information about the person or property that we’re insuring. We consider this private and have taken steps to keep it confidential. We want you to know about our privacy practices. This Privacy Statement tells you the kinds of information we get about you, where we get it, and with whom, if anyone, we may share it.

This Statement describes our privacy procedures and practices for individuals who seek or get auto, home and other personal liability and property insurance for personal, family or household needs.

Insurox takes each individual’s right to privacy extremely seriously. This privacy policy applies to Insurox Group https://www.insurox.com owned and operated by Insurox Group Inc. This privacy policy describes how Insurox® collects and uses the personal information you provide on our website: https://www.insurox.com This Privacy Policy (the “Insurox Privacy Policy”) is designed to assist you in understanding how Insurox will collect, use and safeguard any personal information which may be used to identify you — like your name, location, email address and telephone number among numerous other types of information (collectively, “Personal Information”).

You may choose whether to provide Personal Information to Insurox. This Insurox® Privacy Policy, which provides guidance with respect to when and where on the Insurox® Website we collect Personal Information, should help you to make this choice. Generally speaking, you may browse the Insurox® website without telling us who you are or revealing personal information. However, because automobile insurance rate information is fact-specific for each driver, not all content or features will be available on the Insurox® website if you elect to withhold Personal Information. In situations where Personal Information might be released by you to Insurox, Insurox has implemented processes intended to protect your Personal Information and maintain its security, all as further set forth in this Insurox® Privacy Policy. First, be advised that Insurox® strives to comply with all applicable laws around the globe designed to protect your privacy. Although legal requirements may vary from state to state and from country to country, Insurox intends to adhere universally to the principles set forth in this Insurox® Privacy Policy. In other words, Insurox’s goal is to provide protection for your Personal Information no matter where that Personal Information is collected, transferred or retained. In terms of the physical security of our servers and web hosting, be advised that the Insurox® servers are all located in the United States in areas with security procedures, and that we use firewalls and implement available state-of-the-art security technologies. These safeguards help prevent unauthorized access to any Personal Information Insurox may collect.

Please be advised that from time to time we may make changes to the Insurox® Privacy Policy to meet our — and your — changing needs. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to regularly check this Insurox Privacy Policy so you are informed of our privacy policies.

What kind of information we have and where we get it

You give us most of what we need in the application process. To make sure what we have is correct we may need to check with you by phone (including cell phone or other mobile device), E-mail or mail.

By giving us a telephone number, you consent to being contacted at that number, including if the number is for a cell phone or other wireless device. We may contact you in person, by recorded message, by the use of automated dialing equipment, by text (SMS) message, or by any other means of communication your device is capable of receiving, as allowed by law and for reasonable business purposes, including to service your policy with us.

You may be asked to give us more details in writing or over the phone. Plus, we may receive and check your past insurance claims from insurance support organizations or your former insurers.

As allowed by law, we may ask for credit and other consumer reports from consumer reporting agencies concerning your application for insurance or any renewal of insurance. Information given to us by an insurance support organization, including consumer reporting agencies may be retained by them and disclosed to other persons. For auto insurance, we often get a report of accidents or convictions from your State Motor Vehicle Department. We get these reports through an independent reporting company. We may also check information from government agencies or independent reporting companies. This helps us correctly rate and price your policy.

For home or building insurance, we or an inspector from an independent company may visit the property to inspect and report on its condition. In some cases, pictures may be taken. This allows us to check the estimate we have of your property’s value. If we need more details about the property or the alarm you’ve installed, we may need to enter your property to finish the inspection. We would contact you before entering your property. As a part of our application and underwriting process, in most states, we also order an Insurance Score based on credit history. We use the Score, information you give us, and other consumer reports for underwriting and the price we will charge. If we receive corrected personal information from a consumer reporting agency, we will re-evaluate you. Once you’re insured with us, your file may contain details about your policy(ies). This may include bill payments or claim history. A claim representative may comment, for example, on the condition and use of the insured property. We may also keep a police report if one was issued.

Sometimes we need to know about your health. For example, if we need to know whether a physical limitation will affect your ability to drive, we would ask you to sign a form allowing your personal doctor to answer any question we may have.

Who has access to this information

We keep what we collect about you in our files. Our policies and procedures protect your personal information. We have physical, electronic and procedural safeguards in place. We do not give or sell our customers’ personal information to others for marketing purposes. You don’t have to ask us to keep your information private because we do not give it, unless allowed.

We will use information about you to sell you insurance, service your insurance and settle claims. We may give the information to other persons or companies to help us manage or service our business. When we do, we require them to use it only for the reasons we gave it to them.

 

We may give, without your past permission and only if allowed by law, information about you held in our files to certain persons or organizations such as:

  • Our affiliated property and casualty insurance companies
  • An independent claim adjuster or investigator
  • Persons or organizations that conduct scientific research, including actuarial or underwriting studies, provided that no individual may be identified in the studies
  • An insurance support organization, including consumer reporting agencies
  • Another insurer in order to prevent or prosecute fraud Also, we may be required to share this information:
  • With a State Insurance Department or other governmental agency, if required by federal, state or local laws
  • If ordered by a summons, court order, search warrant or subpoena
  • To protect our own legal interests, or in case of suspected fraud or other illegal activities

How to find out what information we have about you

If you have any questions about what we have in your file please write to us. When we receive your written request, we will respond within thirty (30) business days. We will let you know if we’ve given any information about you to anyone in the past. If we asked for a consumer report we will tell you the name and address of the consumer reporting agency. You may also see and copy your file (except for certain documents about claims and lawsuits). If you believe any of our information is wrong we’ll check it out and if we agree there was an error, we’ll correct it. If we don’t agree, you’re still allowed to file a letter with your comments. We’ll send the correction or letter to anyone who received or will receive the original information.

Information Sharing

We will share your personal information with third parties only in the ways that are described in this privacy policy. We do not sell your personal information to third parties. We may provide your personal information to companies that provide services to help us with our business activities such as email service and chat/live feature. These companies are authorized to use your personal information only as necessary to provide these services to us.

Cookies and Other Tracking Technologies

Insurox uses “Cookies,” small text files saved on your computer, to optimize your experience using our website. Cookies store information such as your Internet Protocol (IP) address, operating system, and session ID. In addition, information you submit in our forms may also be stored. We use both session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. We use session cookies to make it easier for you to navigate our site. A persistent cookie remains on your hard drive for an extended period of time. We set a persistent cookie to store your information, so you don’t have to enter it more than once. By changing your browser settings, you can reject cookies, or have your computer warn you each time a website attempts to deploy a cookie but your ability to use some areas of website will be limited.

Analytics / Log Files

Insurox will also gather certain information automatically and store it in log files. These log files contain standard information collected by web servers, such as client IP addresses, browser type, internet service provider (ISP), operating system, etc. Insurox uses this information, which does not identify individual users, to analyze trends, to administer the Insurox website and to gather demographic information about its user base as a whole. Insurox does not link this automatically collected data to Personal Information.

Web Beacons / Gifs

Our third party advertising partner employs a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our website by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, 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 Web pages 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 our customers’ personal information.

3rd Party Tracking

The use of cookies by our select, trusted marketing partners and Google Analytics are not covered by our privacy policy. We do not have access or direct control over these cookies. Our trusted marketing partners and Google Analytics use both session ID and/or persistent cookies to make it easier for you to navigate our site, in order for you to access and compare the most accurate insurance quotes tailored for you. Please deactivate and/or clear your web browser’s cookies if you do not want this to occur.

Behavioral Targeting / Re-Targeting

We partner with a third party ad network to either display advertising on our website or to manage our advertising on other sites. Our ad network partner uses cookies and Web beacons to collect non-personal information about your activities on this and other websites to provide you targeted advertising based upon your interests.

User Access and Choice

If your personal information changes, or if you no longer desire our service, you may correct, update or delete/remove it by emailing our Customer Support at privacy@insurox.com or by contacting us by telephone or postal mail at the contact information listed below. We will respond to your request to access within 30 days. We will retain your information for a minimum of one year or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Insurox Communications

Insurox was created to provide consumers with an excellent experience when shopping for insurance. With this in mind, we don’t send spam and your feedback is welcomed at any time.
When you purchase a policy via Insurox, you agree to receive Insurox’s service communications regarding your policy and your primary usage of our products and service, such as billing notices, confirmations of changes, and changes to our products and service. You may not unsubscribe from these service communications. From time to time, Insurox may send you emails about our promotions or third-party promotions. In addition, prior to purchasing a policy or after canceling your policy, Insurox may send you emails to remind you to complete the application process, confirm your quote, invite you come back to get a new quote and purchase a policy. We believe they are helpful, but you can opt out of these emails at any time. Each of these emails we send has an unsubscribe link. If you click on the link, you won’t hear from us again (unless you change your mind)!

Third-party Websites

Insurox is not responsible for the practices employed by websites linked to or from the Insurox website, nor the information or content contained therein. When you use a link from the Insurox website to another website, our Privacy Policy is no longer in effect. Browsing and interaction on any other website, including websites which have a link to the Insurox website, is subject to that website’s own rules and policies.

Blogs

Our website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at privacy@insurox.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Social Media Widgets

Our website includes Social Media Features, such as the Facebook, Google+ and Twitter buttons and Widgets or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Compliance with Children's On-line Privacy Protection Act

The Insurox® website is not designed to attract anyone not of legal driving age in the United States. Persons under the age of 16 should not use the Insurox website, and upon reading this should leave the Insurox site immediately. Accordingly, under no circumstance does Insurox seek to collect Personal Information from people under the age of 16.

Security

The security of your personal information is important to us. When you enter sensitive information (such as a credit card number) on our billing forms, we encrypt the transmission of that information using secure socket layer technology (SSL). We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at privacy@insurox.com.

Your Consent

By using the Insurox website, you consent to the terms of this Insurox® Privacy Policy and to Insurox’s processing of Personal Information for the purposes given above as well as those explained where Insurox collects Personal Information. As stated above, should the Insurox Privacy Policy change, we intend to take every reasonable step to ensure that these changes are brought to your attention by posting all changes prominently on our website for a reasonable period of time.

Compliance with Legal Requirements; Law Enforcement

Any information collected by Insurox may be shared if it is necessary to investigate, prevent or prosecute illegal activities, suspected fraud, violations to the Terms and Conditions, when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request or as otherwise required by law or a valid government request (including, but not limited to, search warrants, subpoenas or court orders). Insurox may also share information if it is acquired by or merged with another company. You will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Your California Privacy Rights

Beginning on January 1, 2005, California Civil Code Section 1798.83 permits our customers who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes.

To make such a request, please send us a written request at:

Insurox Group Inc
400 River Drive
Garfield, NJ 07026
Tel: 888-546-1099

Contacting Us

For more information, or if you have questions or concerns regarding Insurox’s Privacy Policy, you may email us at privacy@insurox.com or you can send correspondence to the mailing address above.
Last updated September 30, 2013.