QuoteWhiz will enable you to access information about various types of life insurance, life insurance options and provider information. When you use the Site, you represent and warrant that you understand that the site is not affiliated with or managed, endorsed or sanctioned by any state or federal governmental agency or exchange, the Centers for Medicare & Medicaid or the Department of Health and Human Services.
For purposes of compliance with the California Financial Privacy Act and the Vermont Consumer Protection Act, 8 V.S.A. 10202, if you are a resident of the State of California or Vermont and would like to opt-out from the disclosure of your personal information to any third-party for marketing purposes, call 1-877-210-1646. Please be advised that where California or Vermont residents opt-out from permitting their personal information to be shared, such individuals may still receive selected offers directly from us, in accordance with the law.
QuoteWhiz IS A PRODUCT AND/OR SERVICE MATCHING SERVICE, MATCHING CONSUMERS WITH PERSONS OR COMPANIES THAT OFFER PRODUCTS AND/OR SERVICES OF INTEREST TO THE CONSUMER. QuoteWhiz IS NOT A LICENSED BROKER, CARRIER OR DIRECT PROVIDER OF INSURANCE PRODUCTS OR SERVICES. IN ORDER TO PERFORM THE MATCHING SERVICES AND ENABLE YOU TO SECURE A QUOTE FROM A PROVIDER, QuoteWhiz MAY REQUIRE YOU TO SUBMIT HEALTH INFORMATION. YOUR RESPONSES AND THE INFORMATION YOU CHOOSE TO SUBMIT IN ORDER TO OBTAIN A QUOTE WILL HELP US IMPROVE THE ACCURACY OF YOUR QUOTE RESULTS. INFORMATION YOU CHOOSE TO PROVIDE TO US WILL BE COLLECTED, STORED, AND TRANSMITTED ONLY TO OUR PARTNERS AND SOLELY FOR THE PURPOSE OF MATCHING YOU WITH THIRD PARTY PROVIDERS WHO CAN PROVIDE YOU WITH QUOTES.
Personally Identifiable Information We Collect
Use of Personally Identifiable Information
We may employ other companies and individuals to perform certain functions on our behalf. Examples include using companies / individuals to send direct and electronic mail, remove duplicate information from user lists, analyze data and provide marketing analysis. The agents performing these limited functions on our behalf shall have access to our users' PII, including Sensitive Information, if and as needed to perform their functions for us, but we do not permit them to use your PII for other purposes.
We will also use your PII for customer service, to provide you with information that you may request, to customize your experience on the Site and/or to contact you when necessary in connection with transactions entered into by you on the Site; provided, however, that your Sensitive Information will be used only to the extent needed to complete these tasks. We may also use your PII for internal business purposes, such as analyzing and managing our business. We may also combine the PII we have gathered about you with information from other sources and we may use third parties to help us operate our business and the Site or to administer activities on our behalf; provided, however, that your Sensitive Information will be used only to the extent needed to complete these tasks.
By registering at the Site, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the "Rule") and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission's Do-Not-Call List, and/or on applicable state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations.
In addition, by submitting your PII at the Site, you agree to receive mobile marketing including, but not limited to, text-message based marketing, from us and our third party advertisers and marketers (where, and to the extent that, such marketing is permitted by applicable law). As such, notwithstanding that your mobile telephone number may be listed on state and/or federal Do-Not-Call registries, we retain the right to contact you via text-message based marketing in accordance with applicable state and federal law.
Non-Personally Identifiable Information
We may collect certain non-personally identifiable information about you when you visit many of the pages of the Site. This non-personally identifiable information includes, without limitation, the type of browser that you use (e.g., Chrome, Internet Explorer, Safari), your IP address, the type of operating system that you use (e.g., Windows or Mac OS) and the domain name of your Internet service provider (e.g., Verizon, AT&T). We use the non-personally identifiable information that we collect to improve the design and content of the Site and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze Site usage, as well as to offer you products and services. We also reserve the right to use aggregate or group data about our visitors for any and all lawful purposes. Aggregate or group data is data that describes the demographics, usage and/or characteristics of our visitors as a group. By visiting and/or supplying your personal information at the Site, you agree to allow us to provide such aggregate data to third parties.
Behavioral Marketing/Google AdWords
Facebook Custom Audiences
The Site uses Facebook's Custom Audiences feature to advertise on Facebook to previous visitors to our Site. This feature helps tailor our marketing to better suit your needs and display ads that are relevant to you. We create a Custom Audience on Facebook based on information you provide us, such as your name, email address and/or other contact information. In a process called "hashing," the information provided by you is then summarized into a short "fingerprint" within a data file. This fingerprint is secure and cannot be decrypted. Facebook takes the data file of aggregated hashed fingerprints and electronically compares it to their existing hashed data to find a match. These matches become our Custom Audience. Facebook is not given the original information that you provided to us in order to create the fingerprint, so they never have access to your personal information.
The Custom Audiences feature will only use this fingerprint for the matching process; it will not be shared with third parties or other advertisers and it will be deleted after the match process is complete. For your protection, Custom Audiences can only be targeted in ads once they have reached a critical mass (by aggregation of fingerprints) through which it is impossible to learn the individual identity of an any person visiting a website. Facebook will not: (a) give access to, or information about, Custom Audiences to third parties or other advertisers; (b) use Custom Audiences to append to the information we have about our users or build interest-based profiles; or (c) use Custom Audiences, except to provide services to you, unless you have given express permission for additional uses and/or disclosure of the information is otherwise required by law.
To find out if you're seeing an ad because you're included in a Custom Audience: (i) click the "X" or "down" icon near the top-right corner of any ad on Facebook; and (ii) select the "Why am I seeing this?" link or button and Facebook will explain whether you are part of a Custom Audience. If you are part of a Custom Audience and would like to opt-out, click the "opt-out" link after having selected the "Why am I seeing this?" option. You can also select "Hide all from this advertiser" to stop seeing any of our ads, both from Custom Audiences and any other way we may be showing you ads on Facebook.
When an end-user visits the Site, we send a cookie and/or gif file ("Cookie") to assign an anonymous, unique identifier to the applicable end-user's Internet browser. A Cookie is a piece of data stored on your hard drive containing non-personally identifiable information about you. Cookies have many benefits to enhance your experience at the Site. To find out more about Cookies, please visit www.cookiecentral.com. To disable and reject certain Cookies, follow the instructions associated with your Internet browser. Even in the case where a user rejects a Cookie, he or she may still use the Site. QuoteWhiz reserves the right to retain Cookie data indefinitely.
Third Party Links
The Site may contain links to other third-party owned and/or operated websites and, where you request information from Third Party Providers, QuoteWhiz may transfer you directly to the websites of such Third Party Providers. QuoteWhiz is not responsible for the privacy practices or the content of such websites. In some cases, you may be required to provide certain information to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and QuoteWhiz has no responsibility or liability relating to them. We do not endorse, nor are we responsible for the accuracy of, the privacy policies and/or terms and conditions of such website. These third party entities are independent third parties and are not affiliated with us.
QuoteWhiz provides its users with the opportunity to receive special offers, products and/or services from third parties. Where you indicate the desire to receive certain offers, products or services from a third party during the applicable information collection process, your PII, including your Sensitive Information, if applicable, that was provided during that QuoteWhiz information collection process will be shared with the applicable third party so that such third party may provide their product or service to you and so that you do not have to complete another information collection form to purchase or receive that product or service.
When you submit PII to us at the Site, you have opted-in to request that we share such PII (including Sensitive Information) with Third Party Providers in order to complete your request for Featured Products from such Third Party Providers. When contacted by any of these companies or third parties, you should notify them directly of your choices regarding their use and sharing of your PII. To opt-out of having your PII, including Sensitive Information, shared with third parties, please go to the “Contact” section below and use one of the designated methods for opting out.
To stop receiving future e-mail communications from QuoteWhiz, please go to the “Contact” section below and use one of the designated methods for opting out. QuoteWhiz may maintain separate e-mail lists for different purposes. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each e-mail message to unsubscribe from the particular list. To unsubscribe from all QuoteWhiz e-mail lists, please go to the “Contact” section below and use one of the designated methods for opting out.
Identifying, Deleting, Modifying and/or Updating Your Information
At your request, we will inform you of what PII we have on file for you, including Sensitive Information. In addition, at your request, we will remove, update and/or modify the PII that you have provided to us, or that we have collected. You may do so by contacting us via any of the methods set forth in the “Contact” section below; provided, however, that we ask individuals to identify themselves and the PII requested to be accessed, corrected or removed before processing such requests.
We do not knowingly collect information from individuals under eighteen (18) years of age. No information should be submitted to, or posted at, the Site by individuals under eighteen (18) years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.
All collected information is stored in a technically and physically secure environment. When our registration/application process asks users to enter Sensitive Information, and when we store and transmit such Sensitive Information, it is encrypted and protected with encryption software. While we use encryption to protect Sensitive Information online, we also do everything in our power to protect user information off-line. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your PII, we cannot ensure or warrant or guarantee the security of any information that you transmit to us, and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure its security on our systems. Access to this information is strictly limited, and not accessible to the public. All of our users' information, not just Sensitive Information, is restricted in our offices. Only employees who need the information to perform a specific job are granted access to personal information. Our employees are dedicated to ensuring the security and privacy of all QuoteWhiz user information. Employees not adhering to our firm policies are subject to disciplinary action. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your PII. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.
Number Reassignment, Porting or Disconnection
Transfer of Data Internationally
Filing a Complaint>
You can file a complaint regarding our privacy practices by emailing us at email@example.com; calling us at (888) 747-0609; or faxing us at (866) 571-9618.
You can also file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights by sending a letter to 200 Independence Avenue, S.W., Washington, D.C. 20201, calling 1-877-696-6775, or visiting www.hhs.gov/ocr/privacy/hipaa/complaints/. We will not retaliate against you for filing a complaint.