- information collected through this website, www.howtoinsure4less.com, along with any other website owned and operated by Online Insurance Solutions, LLC (the “Sites”);
- information you enter into our forms appearing on third-party websites;
- certain limited information regarding your interaction with advertiser sites following a visit to our Sites, solely for attribution and optimization purposes;
- information obtained during phone calls to us that you initiate, or that we or our Partners may initiate with your prior consent; and
- any other information you choose to provide to us.
INFORMATION WE COLLECT AND USE
We collect and use personal information about you to respond to your request for products and services offered through the Sites. Specifically, we collect information provided by you in connection with obtaining price quotes or rates. For example, you may be asked to provide your name, address, telephone number, email, and other information in order to be matched to insurance carriers and agents who may provide you a quote for their insurance services. Or you may be asked to provide home and destination airports and travel dates so that we can show you flight and hotel options.
We may also collect other information such as gender, zip code, or other demographic information that is not tied to your personal information. Included in this demographic information is your IP address, which is treated as personal information in some jurisdictions, but which we use only to identify your geographic area and for legal compliance purposes.
In addition, we might receive information about you from other online or offline sources and may combine that information with the information you have provided.
INFORMATION SHARING AND DISCLOSURE
We share personal information about you under the following circumstances:
Quote Requests. If you submit a request for price quotes for insurance products or other products or services, we will share the personal information contained in your request form (such as your name, address, telephone number, email, information about your cars, travel destination, etc.) with third parties, which may include agents, carriers, lead aggregators, and other service providers in our network, to process and fulfill your request.
Our agreements require service providers to secure any personal information we provide to them and limit how they can use such information. Our agreements also require these service providers to comply with national, state and other applicable privacy regulations. By submitting your request to us, you understand that service providers may contact you by telephone (including through automated calling or using recorded messages), email, or regular mail based on the information you provided to us, in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, or any similar mechanism to opt-out of receiving phone calls or email messages.
If one of the service providers contacts you and you wish not to be contacted again by that service provider, then you should specifically make a request of them. Please note that service providers may maintain the information you provided whether or not you elect to use their services.
Aggregate, Non-Personal, or De-identified Information. We may share aggregated information (i.e., information about you and other users collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information we collect, with third parties to optimize their ability to reach their target markets.
INFORMATION COLLECTION TECHNOLOGIES
- If you visit a third-party site that uses our services, we will not place any cookies on your device.
- If you visit one of our owned and operated sites, we will only place limited third-party cookies, such as those made available for analytics purposes by Google and Bing.
- In this case, we will seek your consent to use these third-party cookies and will only do so after you indicate your consent. If you do not consent, then no cookies will be written to your device.
To enable this feature, we use third-party tools to determine your geographic location; if these tools indicate that you are in the EEA, then we treat your visit as above. If you feel that you are subject to the GDPR, but we have nonetheless used cookies in connection with your visit without consent – which may be due to a failure of the third party geolocation tools; your use of a proxy server, your location outside of the EEA at the time of your visit; or some other factor beyond our control – please notify us at [email protected] with any relevant details so that we can ensure proper treatment of your data under GDPR.
By providing your contact information to us, you are registering to receive communications from us directly or through a third-party. If you provide your e-mail address and request to be added to any of our travel deal or other mailing lists, we will periodically send you newsletters and other e-mails with offers and promotions. Our emails will always identify Online Insurance Solutions, LLC or one of our branded sites as the sender. If you no longer wish to receive these communications, please let us know by sending an email to Customer Care at [email protected]. You may also opt-out by clicking on the unsubscribe link in our emails.
Please note that we only control our own mailing list and policies. Third-party advertisers that maintain their own mailing lists may send communications that advertise our services. In addition, if you provide your personal information to a service provider in our network, any use of your information by that service provider will be subject to their privacy policies and procedures. You would need to contact these parties directly in order to stop receiving their email communications.
CONFIDENTIALITY AND SECURITY
The security of your personal information is very important, and we take a number of steps to safeguard it. For example, we limit access to personal information to those employees or agents who need the information to provide requested products and services to you. We also maintain physical, electronic, and procedural safeguards that comply with or exceed federal standards to guard your personal information, and we anonymize or expunge data when it is no longer necessary to provide services to our users or substantiate records for our partners.
A SPECIAL NOTE ABOUT CHILDREN’S PRIVACY
UPDATING, OBTAINING OR REMOVING YOUR INFORMATION
Upon request via email or mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your email address or postal address that we have on file for you. To obtain, modify, correct, change, update or remove your personal records from our database, please send your request via email to our Data Protection Officer at [email protected]. We will require that you prove your identity before providing any personal information.
VISITORS OUTSIDE THE UNITED STATES
To the extent the laws of another jurisdiction apply to your data or use of the Sites, we will comply with such laws.
QUESTIONS AND SUGGESTIONS
Online Insurance Solutions
1700 S Lamar Blvd Ste 338
Austin, TX 78704
Updated October 2018