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.
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.
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
Behavioral Targeting / Re-Targeting
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 firstname.lastname@example.org 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 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)!
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 email@example.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
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.
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 firstname.lastname@example.org.
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
Last updated September 30, 2013.