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Our Privacy Policy

1. Acknowledgment and Acceptance of Terms

Protecting your privacy is a priority for BizInsure LLC. This Privacy Policy reflects that priority and contains our current privacy practices with regard to gathering, using and sharing the information we collect when you access or use our website. Please be aware that this Privacy Policy applies only to information that is collected through your access to and use of our website at www.bizinsure.com. This policy does not apply to any information that you may provide through other methods, for example by Email, traditional mail, or telephone. Nor does this policy apply to information that you provide to, or that is otherwise collected by, parties other than BizInsure LLC.

This Privacy Policy is incorporated into and is part of the Terms and Conditions, viewable at www.bizinsure.com/tcs, that govern access to, registration on, and use of our website. By accessing, registering with, or using our website, you acknowledge that you understand and agree to these terms, specifically as included in this Privacy Policy as it may be amended from time to time.

2. Information We Collect and How We Use It

We may collect information from people who visit or use our website in a variety of ways. This may include registering on our website or directly requesting information online, utilizing user and visitor tracking logs, and employing cookies or web beacons. The information we collect generally falls into two categories: “non-personally identifying information” and “personally identifying information.” Our uses of these two categories of information are described below.

A. Non-Personally Identifying Information

Non-personally identifying information includes information that, without the aid of additional information or data, cannot be associated with a specific person. Examples of non-personally identifying information include:

  • The kind of browser or computer you use;
  • The number of links you click within this website;
  • Your Internet Protocol (IP) Address;
  • The date and time of your visit(s) to this website;
  • The name of your Internet service provider;
  • The Internet page you were on before landing on our website; and
  • The pages you view on our website.

Non-personally identifying information also includes aggregated data, such as the number of users who log onto our website during a given timeframe and traffic patterns on our website and individual web pages.

Under this Privacy Policy, we may use non-personally identifying information gathered from our users to gain a better understanding of how our website is being used, to identify traffic patterns on our web pages, to track patterns in the usage of our website, and to aid us in improving the design or content of our website and the experience of our users. Additionally, we may, from time to time, share with third parties aggregate or statistical information on our users, without revealing personally-identifiable information. Non-personally identifying information may also be linked to personally identifying information when we believe it is necessary to enforce our Terms and Conditions or other rules and policies; to comply with applicable laws, regulations, court orders, or other legal process; or to protect BizInsure, our property rights or website, our customers, or others.

B. Personally Identifying Information

For individuals, personally identifying information includes such information as a person’s name, Email address, street address, phone number, driver’s license number, or billing information that can be directly associated with a specific person. As a visitor to this website you may choose to register with the website and request quotes on insurance policies. We will request specific personal information when you register with the website and when you go through the process of requesting quotes or policies for insurance products.

Under this Privacy Policy, we may only share your personally-identifying information 1) with your permission; 2) in connection with a proposed or actual sale, merger, acquisition, or liquidation of BizInsure LLC or a division of it; 3) to third-party vendors who may assist us in operating our business (e.g. insurance companies, data processing, data storage, premium finance and credit or debit card processors); or 4) when we believe, in our sole discretion, that disclosure is reasonably necessary to:

  • Fulfill or otherwise handle your requests for service of insurance quotations and/or policies, to respond to requests from you or your legal representative, or to otherwise provide you with customer support;
  • Protect ourselves from liability;
  • Verify the information you provide to us;
  • Prevent fraud or to protect the security and operation of our website;
  • Enforce the Terms and Conditions governing the use of our website, including this Privacy Policy;
  • Protect the property rights or safety of BizInsure, a third party, or the public;
  • Respond to a court order, subpoena or other legal process; or
  • Comply with applicable laws and regulations.

If you purchase any insurance policy or other service through our website by debit or credit card, your personally identifying information, billing information and card number may be forwarded to our financial services providers, your debit or credit card provider, and other third parties to help complete transactions, respond to your requests, or for other lawful purposes that help us service or collect on your account or to otherwise serve you better.

The BizInsure website permits users to select insurance products of interest, to input personal information that is reasonably necessary to obtain quotes on such insurance policies, to request quotes on insurance policies from one or more insurance providers, and to purchase an insurance policy or policies. By providing your personal information when requesting quotes for one or more an insurance policy, purchasing one or more insurance policy, or otherwise interacting with our website, you recognize and agree that BizInsure may share your personally identifiable information with 1) insurance providers offering insurance policies through BizInsure’s website; 2) BizInsure’s affiliates; 3) your current insurance provider(s); and/or 4) other third parties as BizInsure believes in its sole discretion are reasonably necessary to obtain the insurance quotes you have requested, to complete a transaction through which you obtain such an insurance policy or policies, or to provide other information or services you request through our website.

You further recognize and agree that such insurance providers and third parties may, pursuant to their own terms, conditions and policies, utilize, share, and/or disclose the personal information you provide in requesting insurance quotations or other related information or services.

You also agree, by submitting your personal information, that BizInsure, the insurance providers BizInsure works with, and third parties as described above may, subject to applicable laws and regulations, contact you by Email, telephone, or traditional mail to provide you with a quote, to offer you other products or services that may be of interest, or deliver communications related to your request for a quote or otherwise related to your account.

C. Additional Uses of Personally Identifiable Information

We may additionally use your personally identifiable information to:

  • Respond to your requests for information or services;
  • Inform you of our services, special offers, changes to our products or services;
  • Deliver selected or customized content to you;
  • Aid in the development and improvement of our products and services; and
  • Provide you with administrative communications.

D. Opting Out

If you prefer not to receive marketing Emails from BizInsure, you may opt-out when you register for your account or at a later time by contacting us by Email at operations@bizinsure.com. Please note that opting out of such information sharing, will affect future sharing only and that we will not be able to recall previously shared information from third parties or to change the way third parties contact you. Opting out in one of these ways will not affect the contact needed by BizInsure in order to deliver the quotes and policies you request, to request additional information, or initiate other communications that we believe in our sole discretion are reasonably necessary to service your account. Additionally, opting out in one of these ways will not prevent communications from the insurance providers or other third parties with whom BizInsure works. If you prefer not to receive marketing communications from such parties, you must follow each company’s policies, terms or conditions to decline such communications.

E. Additional Investigations

When you request quotes on insurance policies through BizInsure’s website, you authorize and agree that the insurance providers responding to or evaluating your request, and/or their affiliates or third parties working at their request, may obtain additional information regarding you and your request as may be reasonably necessary to evaluate and/or respond to your request and/or to provide the requested insurance policy or policies. This additional information may include such things as your driving records, credit histories, consumer and/or credit reports, and other records customarily reviewed by insurance providers when evaluating, granting, denying, or reviewing insurance policies.

3. Cookies

We may, from time to time, utilize “cookies” on our website. A “cookie” is a small text file that is placed on your hard disk. Cookies save you time when browsing our website. Among other things, the use of cookies helps make it easier for you to use our website by saving your preferences and login information. Your computer should be set up to allow you to accept or decline cookies. Most Internet browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. Unless you set your browser preferences to reject cookies, you consent to our placement of cookies on your computer.

If you reject cookies by changing your browser settings at a time when BizInsure is utilizing cookies, then be aware that this may disable some of the useful features on our website and other websites. Our users who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before accessing our website. Users who refuse cookies assume all responsibility for any resulting loss of functionality.

4. Web Beacons

Our website and other communications with you may contain electronic images known as web beacons – sometimes also called single-pixel gifs – and permit other techniques such as Google Analytics that allow us to monitor website usage by, for example, counting the users who have visited certain pages and determining the time and date of page views. We may also include such functions in promotional Email messages, newsletters, or other electronic communications in order to determine whether messages have been opened and acted upon.

Some of these techniques may be placed by third party service providers to help determine the effectiveness of our advertising campaigns or Email communications. They may be used by such service providers to place a cookie on your computer. This allows the service provider to recognize your computer each time you visit certain

pages or Emails and compile anonymous information in relation to those page views, which in turn enables us and our service providers to learn which advertisements and Emails bring you to our website and how our website is used. We use this information in the aggregate to help better serve you. We do not use beacons or any other techniques that collect or use personal information other than as explained elsewhere in this policy.

5. Participating Insurance Providers, Third Parties and Linked Internet Sites

BizInsure works with independent insurance providers and third parties to provide its services and may provide advertisements from other companies, links to other websites, or other access to third-party content. This Privacy Policy relates only to BizInsure’s services and offerings. This Privacy Policy, including its provisions on the use of personally identifying information, cookies, and web beacons, does not apply to independent insurance providers or third parties working with them or with BizInsure, or to web pages, advertisements, or content provided by another company or person, even where that material is linked to or accessible from BizInsure’s website. The use of any personally identifying information or non-personally identifying information collected by these parties is governed by those parties’ policies, terms and conditions rather than this Privacy Policy.

We recommend that you review the privacy statements and policies maintained by the independent insurance providers offering policies through our website, third parties with whom BizInsure works, online merchants or other companies that work with us, offer goods or services through our website, or that are otherwise linked to or accessible through our website. Those policies can typically be viewed by clicking on the corresponding links within each respective website. Online merchants and others are generally encouraged to participate in industry privacy initiatives and to take a responsible attitude towards consumer privacy. However, since we do not have direct control over other companies and third parties, we are not responsible in any way for the privacy practices or contents of those websites.

6. Discussions, Comments, and Public Forums

We may provide our users the opportunity to post comments on blogs or bulletin boards, or to otherwise contribute to public forums on our website. In the event you choose to participate in such services, the information you post (including any sensitive information such as you name, gender, address, e-mail address, or phone number) will not be treated as protected personally identifying information for the purposes of this Privacy Policy. Any information you choose to post to a public portion of our website may be seen, used, and collected by any person accessing that webpage. Therefore, we recommend that, if you participate in any of these public functions through our website, you do not post sensitive personal information in these forums.

7. Account Information

When you create an account on our website, we ask that you provide your Email address and create a password, and we may also ask you to provide the answer to a security question for accessing your account. You are responsible for keeping this information confidential.

8. Security

The information we gather though our website is stored in databases on servers located in the United States to which only we and our hosting services are provided access, and we take reasonable security measures, such as operating through a secure webserver, and using 256-bit or other encryption measures. Nonetheless, we cannot and do not guarantee that a person or entity won’t be able to penetrate our security measures. Similarly, we cannot guarantee the security of Email transmissions over the Internet or that such information will not be intercepted while being transmitted to or from our servers.

In the unlikely event that we believe the security of your personally identifying information in our possession has been compromised, we may seek to notify you of that situation. If a notification is appropriate, we would attempt to transmit it as soon as practicable under the circumstances. To the extent we have your Email address, we may notify you by Email or by other means as required by law. You consent under this privacy agreement to our use of Email to provide any necessary notification regarding our security.

9. Changes

We may update or otherwise revise this Privacy Policy at any time with or without notice. When we do make a revision, it is our policy that the revision date is posted at the top of the privacy statement. A change or update to this statement becomes effective immediately upon being posted on this website. We encourage you to periodically review this statement to stay informed. When you access or use this website you automatically affirm that you acknowledge, understand, and accept this privacy statement as well as subsequent revisions.

10. Children

Our website is intended for use by adults over the age or 18 years. Therefore, we do not knowingly collect personal information regarding children under the age of 13, and no person under the age of 13 is authorized to provide any personal information or to use any features of our website, including those services to facilitate obtaining quotes for insurance policies as well as public discussion features, chat rooms or discussion forums that we may offer from time to time.

11. Contacting Us

Any legal notice or question pertaining to this policy or the other terms and conditions governing the use of our website is to be directed to the following address:

Operations Manager
BizInsure LLC
222 Broadway Street #6
Oakland, CA 94607
operations@bizinsure.com