QuoteWiseInsurance Privacy Policy

QuoteWiseInsurance Online Privacy Policy

Effective Date: Dec 26, 2023

QuotewiseInsurance Services and its affiliated, related, and subsidiary entities, collectively referred to as "QuotewiseInsurance," "us," or "we," are committed to safeguarding the security of your personal information. This Online Privacy Policy, commonly known as the "Privacy Policy," details how QuotewiseInsurance utilizes and protects the personal information collected from you, the customer, online.

1. Scope and Consent

This Privacy Policy oversees your utilization of the QuotewiseInsurance.com, websites, along with any other site displaying this Privacy Policy (referred to as the "Website" or the "Site"). It is also applicable to interactive features, widgets, applications, content, or downloads provided through the Website and displaying this Privacy Policy (collectively referred to as the "Services"). This policy applies irrespective of how you access or use the Services, whether through personal computers, mobile devices, or other means. However, it does not extend to data received from third parties unless such data is combined with Personal Information (defined below) collected by us under this Privacy Policy. It's important to note that this Privacy Policy excludes our offline data collection, including information gathered during telephone conversations with QuotewiseInsurance personnel or representatives, or through other means outside our Services (unless specified otherwise below). The statements made in this Privacy Policy pertain solely to information directly collected by us through the Services and not to information collected by third parties interacting with our Services or linking to this Website. In cases where we provide you with notice on this Site regarding different or additional privacy policies or practices (e.g., at the point of collection), those additional terms will govern such data collection and usage. Your use of the Services and/or submission of inquiries through the Services explicitly indicates your agreement with the terms and conditions outlined in the Privacy Policy effective at the time of your use.

2. Modifications to This Privacy Policy

We reserve the right to add, update, remove, or modify our Privacy Policy at our discretion. Changes to the Privacy Policy may be made by us at any time and in our sole discretion. Notices of such changes may be posted or displayed on this Site, and once posted, these modifications become effective immediately. If any alteration is unacceptable to you, please cease using our Services promptly. Continuing to use our Services constitutes your agreement to be bound by the revised Privacy Policy. It is advisable to check regularly and review this Privacy Policy to stay informed about the latest rights and obligations governing your agreement with us. This Privacy Policy does not confer any third-party rights or benefits to you.

3. What information will we collect?

We only collect "Personal Information" through the Services if you choose to provide it voluntarily, such as through the "Get Your Quote," "Term Life Insurance Calculator," or a similar page. Personal Information, as defined by us, includes unique details about you, such as your phone number, biometric information (height and weight), name, address, email address, Social Security Number, birthdate, and specific medical or health details. Additionally, we may collect Demographic Information, such as gender and age, when you enter information on the "Get Your Quote," "Term Life Insurance Calculator," or a similar page. If you encounter a screen or page requesting information you prefer not to share, refrain from entering the information and do not proceed. When you provide Personal Information, we will use it for obtaining a quote, calculating a term life insurance policy, or for the specified purpose stated on the page collecting the Personal Information. We will not license, transmit, or disclose this information to third parties unless: (1) you expressly authorize us to do so, (2) it is necessary for our contractors or agents to provide services, (3) to deliver our products or services to you, (4) disclosed to entities performing marketing services on our behalf or with whom we have joint marketing agreements, (5) disclosed to insurance providers to obtain an insurance quote on your behalf or connect you with insurers, or (6) as required or permitted by applicable law. The information you provide may also be used to enhance the content of this Site and our Services or to contact you for marketing purposes.

4. Information Sharing with Third Parties

We may disclose non-Personal Information, such as aggregated user statistics, to third parties. Your Device Identifiers, along with data associated with you and your activities, might also be shared with third parties. Importantly, we do not share your Personal Information, provided through features like "Get Your Quote," "Term Life Insurance Calculator," or similar pages, with third parties for their direct marketing purposes. When we de-identify data concerning you, it no longer qualifies as Personal Information from our perspective, and we are free to share it with others. Furthermore, the information we have gathered about you, including Personal Information, may be shared in accordance with the disclosures made at the time of providing your information. It's crucial to note that QuotewiseInsurance does not engage in selling your Personal Information to third parties.

5. Third-Party Content and Links to External Sites Within the Services

You may encounter content provided by third parties. These third parties might gather Usage Information, Demographic Information, and your Device Identifier as you use the Services. Additionally, your use of the Services may lead you to other platforms operated by third parties beyond our control. We want to emphasize that we are not accountable for the data collection and privacy practices employed by these third parties or their services. They may track your activities across various sites and share the results of such tracking with us and/or others. For instance, clicking on a link within the Services may redirect you to a different site. These external sites might employ Tracking Technologies, independently collect data about you (including Personal Information), and may or may not have their own published privacy policies. Third-party applications accessible through the Services are also a possibility. The creators of these applications ("Third-Party Owners") may collect Personal Information, Demographic Information, Usage Information, or other data from you, following their own policies and practices. We disclaim responsibility for how Third-Party Owners or their applications collect or utilize your information, and they might track your activities across multiple sites, sharing the results with us and/or others. These Third-Party Owners likely have their own terms of service, privacy policies, or other policies and may request your agreement. It is crucial to review any available policies before sharing personally identifiable information with a third-party application or engaging with it. We strongly advise you to be cautious when leaving our site, urging you to review the privacy policies of all external locations and exercise diligence in your interactions with them.

6. Our Engagement with Advertising Networks

At our discretion, the Services may employ third parties, including network advertisers and ad exchanges, to deliver advertisements. We may also utilize third-party analytics and other service providers to assess and furnish us and/or third parties with information regarding the utilization of the Services, as well as the viewing of ads and our content. Network advertisers, categorized as third parties, present advertisements that may be tailored to your visits to the Services and other applications and websites you have explored. The utilization of third-party ad serving allows us to customize advertisements for products and services that align with your potential interests.

7. Updating and Ensuring Accuracy of Personal Information

Maintaining the accuracy of information is a priority for us. Individuals have the right to review and correct their Personal Information collected by us. If you wish to verify your personal information, please contact us at the provided email address. In the event that you request the deletion of your Personal Information, please be aware that it may not always be feasible to entirely remove or delete all your information from our databases. Residual data may persist on backup media. We may retain some of your Personal Information even after deletion if reasonably necessary to comply with legal obligations, meet regulatory requirements, resolve disputes, ensure security, prevent fraud and abuse. De-personalized information may also be retained after your account has been closed.

8. Opting Out of Marketing Communications at Any Time

You have the option to cancel or modify the email marketing communications you receive from us at any time. You can achieve this by following the instructions provided within our promotional emails. Alternatively, you may log into your Services account and adjust your communication preferences. For those subscribed to text messages, terminating a specific text message subscription can be done by replying with “STOP.” It's important to note that subsequent or different subscriptions will remain unaffected. Please be aware that certain communications related to your account or the use of our Services, such as administrative and service announcements, may still be sent even if you choose to opt-out from receiving our marketing communications.

9. Security Measures

We strive to implement reasonable commercial measures to assist in safeguarding and securing your Personal Information and Usage Information. Nevertheless, it's important to note that no data transmission over the Internet, mobile networks, wireless transmission, or electronic storage of information can be guaranteed to be 100% secure. Please be aware that we cannot ensure the security of any information you transmit to us, and your use of our Services and provision of information is done at your own risk.

10. Questions or Concerns

If you have inquiries regarding this Privacy Policy, you can reach QuotewiseInsurance by emailing us at support@quotewiseinsurance.com. When you send an email to support@quotewiseinsurance.com with questions or comments about the Services, the Privacy Policy, or the Terms of Use, we will share your messages with those in our organization best suited to address the issues raised. A copy of your message will be retained until we've had an opportunity to address your concerns. We may archive your message for a specific period or discard it, but your email address will not be used for any other purpose.