Privacy Policy

This Notice describes the types of information collected from visitors to Our Websites, applicants for, purchasers of, or claimants under Our insurance policies, and other users of Our Services. It also describes how that information may be used, your rights to access or update your information, and how you can limit its use or disclosure.

Summary

We use Personal Information to conduct Our business. By way of example, We may require Personal Information to underwrite an insurance policy or adjust a claim, or use it to evaluate the impact of Our marketing efforts. We understand and appreciate the trust Our customers and others place in Us to protect that information from unauthorized access and use it as described in this Notice, in a lawful manner, and consistent with reasonable expectations.

We take Our privacy obligations seriously. Among other steps We have taken:

• Our Chief Compliance Officer is responsible for privacy.
• Our employees, insureds, and distribution partners participate in training, testing, and awareness programs concerning privacy and information security.
• We regularly evaluate Our data security practices, so We can take appropriate measures to help safeguard and protect Personal Information in Our control from unauthorized access.  We provide timely and appropriate notices, as required by law, in the event of unauthorized access to that information. 
• We work with Our service providers and suppliers who have access to Personal Information to include appropriate data security measures in Our contracts. 
• We assess new vendors’ information security practices and periodically review security assessment and risk mitigation initiatives for third-party hosted applications. 

Information We Collect

Personal Information

To conduct Our business, including by operating Our Websites, We collect certain Personal Information from or about you.

We may collect this information using technology or from third parties. You also may choose to provide Personal Information to Us – for example, by sending an e-mail, registering for online account management, participating in a survey, responding to a feedback or “contact us” form, or signing up for or using Our Services. We may use your Personal Information to evaluate your service needs and contact you regarding additional services you may find helpful. Please notify Us at [email protected] if you do not wish to receive such contact.

Website Browsing Information

We use automated technologies such as Cookies, Pixels, and Similar Technologies to collect information about your internet-connected devices and use of Our Websites. This information may include your IP address, Browser characteristics, operating system, domain name, the site from which you enter Our Websites, dates and times of your visits, the language your system uses, and the country and time zone in which your device is located. These automated technologies also permit the collection of “clickstream data,” which may include information about the content you access while browsing Our Websites (such as the pages you visit and how much time you spend on each page).

Insurance Applicants, Policyholders, and Claimants

Our Notice of Information Practices describes other types of Personal Information we may collect from or about you if you are an insurance applicant, policyholder, or claimant.

Your Choices

Cookies

Our Websites use cookies.

You can change the settings on your Browser to notify you each time a Cookie is sent to you or to reject all or certain kinds of Cookies; some of these Browsers may block Cookies by default. For information on how to change your Browser settings, please click on the appropriate link below.

• Internet Explorer
• Edge
• Chrome
• Safari
• Firefox
• Opera

If you choose to reject Cookies, Our Websites may not function properly for you.

Website Analytics

For information about Google Analytics please click on this link: https://www.google.com/policies/privacy/partners/. To opt-out of Google Analytics, please copy and paste “tools.google.com/dlpage/gaoptout” into your Browser and download the Google Analytics opt-out browser add-on.

Interest-Based Advertising

You may choose to opt-out of Our interest-based advertising efforts. The Digital Advertising Alliance and the Network Advertising Initiative maintain websites where people can opt-out of interest-based advertising from their members. To opt-out on these pages, visit http://optout.aboutads.info or http://optout.networkadvertising.org. Note that electing to opt-out will not stop advertising from appearing in your Browser or applications. It may make the advertisements you see less relevant to your interests. We comply with the Self-Regulatory Principles for Online Behavioral Advertising set forth by the Digital Advertising Alliance.

By clicking on the following, you can also modify your advertising preferences directly with Google, Facebook, LinkedIn, LiveRamp, and Taboola.

Do Not Track

Your Browser settings may allow you to transmit a Do Not Track signal to Our Websites automatically. We do not respond to Do Not Track signals or other mechanisms. For more information on Do Not Track, please click on this link: http://www.insuranceshq.com.

Insurance Applicants, Policyholders, and Claimants

Our Notice of Information Practices describes other rights available to insurance applicants, policyholders, or claimants.

Our Other Services

Smart Secure^SM

In addition to insurance, through one or more contracted suppliers, We offer alarm and smart home services– called Smart Secure^SM – as a risk reduction tool.  When you sign-up for or use Smart Secure, you may provide certain information, including Personal Information, to Our supplier(s) or to Us, or We and Our supplier(s) may otherwise receive it from your Smart Secure devices, your computer, or your other electronic devices that you use to access, browse, download, receive or otherwise use the Smart Secure services (each a “Personal Device”).  
The information you provide or which Our supplier(s) and We may otherwise receive is used to coordinate installation and personalize, administer, and deliver your Smart Secure services.  It may include, without limitation, home size; system configuration; login or access credentials; sensor names; device types, settings, and performance; account information; schedule; mode; automation settings; electrical usage or consumption; heating and cooling information; light or other fixture settings; and usage and alert logs (collectively “Smart Secure Services Information”).  

In addition, as described below, the Smart Secure services may include video or audio recording capability or capture location-based information.

Video and Audio Recordings

If you purchase video monitoring or video monitoring services such as Visual Verification, a connected doorbell, camera, image sensor, or other connected device or wearable or subscribe to two-way voice, you may enable Our supplier(s), including your central monitoring station, to record, store, view and process video and/or audio recordings from this equipment (collectively, “Monitoring”). This Monitoring may include capturing and sending to you portions of this data as part of a notification or analyzing the data to identify motion or other events. This information from your Monitoring equipment may be processed to send alerts to you. In addition, if you have recording features enabled on these video products or services, video and audio data recordings from your device will be captured, processed, and stored by the applicable supplier(s). You may be able to access those recordings.

Data protection and privacy laws may impose specific responsibilities on you and your use of security cameras, connected doorbells, and other devices with recording capabilities. You alone are responsible for ensuring that you comply with any applicable laws. For example, you may need to display a notice alerting visitors to your home or business that they may be recorded using security cameras and other devices with recording capabilities. We take no responsibility for your compliance with these laws.

Location-based Information

Some features of the Smart Secure services use location-based information to enable geofencing capabilities (e.g., to send arming reminders or adjust the thermostat when you are a designated distance from home). When you opt-in to activate these geofencing services, location information will automatically be collected and stored by Our supplier(s) from your Personal Device or vehicle you designate which is capable of producing location data (e.g., mobile or GPS device). This location information may include your current location or places you recently visited and may be used by Our supplier(s) in aggregated form only for internal purposes, such as to improve the quality of service provided. Do not enable geofencing features if you do not want location-based information collected by Our supplier(s).

Our Smart Secure supplier(s) may provide some or all of this information to Us for legally permissible purposes in connection with providing the Smart Secure services or as needed to provide insurance discounts or otherwise administer your policy(ies) with Us.

WE DO NOT SELL NOR SHARE YOUR PERSOANL INFORMATION

Security

We Are Serious About Security

We work hard to prevent unauthorized access to your information. We have appointed a Chief Compliance Officer who is responsible for privacy, and We educate Our employees, insureds, and distribution partners about the importance of privacy and information security. We also use appropriate security measures in Our efforts to safeguard and protect the confidentiality of your information, prohibit the unlawful disclosure of it, and limit access to it. We sign contracts with Our service providers and suppliers who have access to your Personal Information that require them to use appropriate security measures.

Our information security program focuses on six key areas:

• Proactive cybersecurity, including cyber threat hunting, ethical hacking campaigns, and periodic cybersecurity program assessments;
• Reactive cybersecurity processes that we regularly test using incident response and disaster recovery exercises, based on realistic scenarios;
• Endpoint controls that provide data encryption, threat detection, malicious software defense, and data backups;
• Identity and access management controls that include multifactor authentication and additional safeguards for staff with elevated privileges;
• Employee cyber risk awareness programs that leverage general education, role-based training, and simulated phishing attacks; and
• Third-party risk management and security standards that include due diligence, continuous monitoring, and cyber risk scoring.

How We Treat Social Security Numbers

In some instances, We may need to collect, other than through e-mail, and use Social Security Numbers (“SSNs”). We safeguard and protect the confidentiality of SSNs, prohibit the unlawful disclosure of SSNs, and limit access to SSNs to those employees or service providers who require access to that information.

Children

We do not knowingly seek information from or about children under the age of 13 online, and We do not knowingly market any of Our products or services to children under the age of 13 online. If We become aware that a child under the age of 13 is attempting to or has submitted information to Us via Our Websites, We will delete the submitted information.

Definitions

Advertising Providers means entities that provide interest-based advertising services to Us.

Browser means an internet website browser such as Internet Explorer, Edge, Chrome, Safari, Firefox, or Opera.

Cookies, Pixels and Similiar Technologies Include:

Cookies are small data files sent from a website’s server and stored on your device’s hard drive either for the duration only of your visit – session cookies – or for a fixed period – persistent cookies. Cookies contain information that a web server can later read.

Pixels or Web Beacons are small, generally transparent images embedded in web pages, applications, and emails. They also may be called “clear gifs,” “single-pixel gifs”, “page tags” or “web bugs.” We may use pixels to track the web pages you visit, test the effectiveness of Our marketing, and find out if an email has been opened and acted on.

Java Scripts are snippets of code embedded in parts of Websites and applications. They help facilitate a variety of operations, including monitoring usage of various online components.

Personal Information means any information that could reasonably be used to identify you, including your first and last name, your home address, email address, telephone number, social security number, IP address, or geolocation data. For purposes of the California Residents section of this Notice, Personal Information takes the meaning assigned in the California Consumer Privacy Act of 2018.

Services means the services we provide, including Smart Secure^SM.

We, Our or Us refers to Insurances HQ, Inc. and its member insurers.

Changes To This Notice

We may change this Notice and User Agreement from time to time and We encourage you to review them regularly.

At least thirty (30) days before any material changes to this Notice take effect, We will put a link on Our Website describing those changes. If the changes concern how We treat your Personal Information already in Our care, custody or control, We will email you about the changes. Your continued use of the Websites after Our new notice becomes effective tells Us that you have accepted the changes We made.

United States Audience

We only are licensed to sell our insurance products in the United States. Our Websites are designed for use in the United States. They are neither directed to nor intended to be used by any person or entity in any other jurisdiction or country.