Privacy Policy
When using this website, please read this privacy policy attentively.
Before you use this site and other services, you collect information from us, for insurance and
other financial quotes, and you can connect with licensed insurance agents and other
professionals of financial services to discuss your needs (our website and these and other
services, collectively, are referred to as the “Services”).
You agree with our terms of service and also consent to the way we collect, share and
otherwise use information about you in the form specified in this Privacy Policy when you use,
access or interact with our Services (including inputting your information on this website).
Resident California? But please check our California Consumer Privacy Act Disclosure and
California Disposal Notice at our Privacy Centre, before jumping in, if you are a California
citizen.
We are concerned about your privacy and have drawn up this policy as easily as possible to
read. Please read this and contact us using the contact methods listed below for any questions.
A. What is this policy?
This Privacy Policy provides for the collection, use, and sharing of information regarding your
access to our services. The privacy policies that we do not manage or regulate from third parties
do not apply.
That said, you should be aware that we can supply third-party content or links to web pages or
applications of third parties (for example links to insurance web pages which we partner with
when you ask for quotations). You will also read the privacy policy and the terms of service of
the third parties to ensure that you understand how information about you may be collected and
exchanged by third parties if you exit our Services or communicate with third parties.
B. What information do we gather?
We receive information from you three main ways: (1) when you send it to us, (2) by means of
automated technology and (3) by requests from others. These three categories have been
broken down in greater detail below:
1. You give information to us
You can provide us with information in different ways, such as via forms or other ways offered
by our services. In our web flow, the most likely way you will provide us with your information is
to have us quote for you. Even if you don’t finish site flows, we compile, stored and use this
information and the information below in Categories 2 and 3. In order to produce a life insurance
quote for you, for example, we will ask you some basic questions about your medical history.
You provide us with information in two categories. Social information identifies you personally
such as your name , email address, social security number or telephone number. personal
information. Non-personally identifying information, such as gender, income or what sort of
products you are interested in, is information about yourself or your household.
When we combine personal information that is not personal information (such as usage
information, as described below), we treat it as personal data for as long as it is combined.
2. Auto-collection of information
Second, we collect information automatically about how you access our services and interact
with them. For the purposes of this Privacy Policy, we call this User Data. Utilization Knowledge
is a vital part of how we help you to maximize your experience on our sites and more
importantly, provide you with customized perspectives and suggestions that are essential to
what we are trying to achieve in affordablecoverage.com. These can include cookies, file data ,
web beacons and the like. We can collect four kinds of usage information:
Info about the unit. We collect information about your device, such as your OS, hardware,
application and software model, and edition, as well as unique device identifiers.
File Information. File Data. We store such data, such as buttons you click on, automatically in
device logs or similar files about how you communicate with our services. These logs may also
include items such as your IP address, browser / device configuration, access date and time
and information about cookies.
Used to identify information. To re identify you over multiple browsing sessions and devices, we
collect information (for example, connect your current browsing to a session beforehand in
which you gave us your name).
Details about the spot. In order to estimate your location, we may use certain information such
as your IP or other device information or log data. We can also allow the use of location-enabled
services (typically GPS or Wi-Fi) on your computer to improve our services.
If you use the Services to collect information about your use of the Services and other online
activity over time and across different websites and applications, we and other businesses can
place or recognize unique cookies or other information on your browser and can use the
information to serve you with interest-based advertising while surfing the Internet. Please review
the details below to learn more about interest-based advertising:
Please check at: http:/www.aboutads.info/choices/ and DAA AppChoices –
http:/www.aboutads.info/appchoices/ in order to uninstall this list and use it for online digital
advertisements by businesses participating in United States of the Digital Advertising Alliance
(DAA).
Visit http:/www.networkadvertising.org/choices/ to opt out from the use of information about your
on-line behavioral advertising activities by member companies. You may still receive ads not
personalized based on your usage information, even if you opt-out.
Please note that you can opt to reject cookies on your web browser or to inform you when
cookies are delivered. You can also change your privacy and advertisement settings on your
mobile device to check if you want more advertisements. Please note that some parts of our
Services may not work correctly if you make such changes.
3. Provide us information from third parties
We collect information about you from third parties and other sources, such as publicly available
databases, demographic information providers, and social networking platforms, to make more
personalized product recommendations. For example, to check the location you provided or to
help us understand your business background, we can collect information from third parties.
We need to obtain personal data to provide you with services. We may not be able to provide
the Services if you do not provide the requested information. You reflect that you have the
authority to provide us and allow us to use this data as provided by the Privacy Policy, if you
reveal any personal information concerning other people to us or to our partner in connection
with our provision of Services.
C. How we use our collection of information
In order to operate our services, we use the data we collect from you and from third parties and
to provide insurance quotes and communicate with you, and to improve your experience.
Having used the information we obtain, here are some examples:
To provide you with customized services. In order to provide you with the Services, we use the
information we collect. The products of financial services are complex and we do not adopt a
unique approach to help you find the right products. The knowledge we gather allows us to do
so by offering a description of who you are. To enhance our services. Our services are
constantly enhanced. The information that we collect helps us to improve consumer experience
and how we comply in real time with product recommendations. For example , in some cases,
we may use the information you provided, although the web flow is not complete, so that this
information is prepared for your convenience if you return to the web site. In addition, we may
use information from you for the detection, deterrence, prevention or action of incidents
including suspected fraud, malicious or illegal activities or infringement of our policies.
To contact you.
To connect, some of the customized services you provide connect quickly with real people who
can help you with financial services. We use the information that you provide to contact you with
quotations or other product recommendations that you have requested via our web sites. For
instance, we’ll likely call you from one of our experienced licensed agents if you supply your
telephone number and email, and then agree to our touch. We will also provide you with text
and email information about how to contact us, unique deals and other related details (e.g. open
enrollment deadline for health insurance requests). Additional contact opting out. While we want
you to speak directly with a professional as quickly as possible, we will respect your request for
no further contact. By asking to be placed on our Do Not Call List, you can easily opt out of
further communication with us by answering “STOP” on our text messages, or with our email
list unsubscribe.
On equal grounds.
We are operating in a controlled industry and therefore reserve the right, without notice
to you, to view, use, store , distribute or communicate any information you may
reasonably have to use of our Services to comply with applicable laws; respond to
grievances, legal proceedings, or requests by government; implement our Terms of
service; or react to similar steps.
D. When we share or transmit information we receive
We work together with a variety of companies as distributors of financial services
products to provide the Products and also exchange knowledge with those companies.
Even if we want to respond directly to all our customers ‘ needs with our direct partners,
we may sometimes sell the information you provide to third parties, with your explicit
consent, to help you respond better to your needs. In relation to your use of our
services, you can read how we distribute and/or sell your information , including
personal information:
To offer and expand our programs, share knowledge with our clients (e.g. insurance
companies). With the third-party partners we work with to provide the services that you
receive, we can share your information. For instance, we work closely with certain
insurers to provide customized insurance quotes to our customers. Therefore, we can
share your information with the carriers when you apply for a quote to generate the
quote for you. Or we can call you and direct your call to one of the carriers’ agents to
follow you with your options. Or we can redirect you to one of those partners’ websites
and pre-populate your information there so that your request for financial services can
be met seamlessly.
Sell data with your permission to third-party suppliers.
Where we believe others can offer you useful products, we may send your information
to third parties who will try to meet your needs after receiving your authorization. For
instance, we can share your data with our data provider partners, so that we can
provide more information about you, so that our experience and the product
recommendations can be further personalized. We may also share your information with
our service providers to ensure that we comply with our legal obligations and
requirements, including to provide us or third-party suppliers with a documented
consent. We may also share detected or aggregated data we collect with third parties,
such as demographic information identified or computer or device information on which
you access the Service. For a number of reasons, we share these knowledge, including
to track and understand the use of services and develop our products and features.
With your permission, offer details to third parties. Where we believe other people can
offer you helpful products, we may sell your information to third parties who will try to
meet your requirements after obtaining your authorization. These third parties could be
other insurance agencies, insurers, providers of financial services or other entities that
facilitate connection processes between customers and suppliers of financial services.
These third parties, or the entities with which they are working, may contact you on the
basis of your consent. As part of a change in business. As part of, or in preparation for,
a change of control, restructuring, corporate change or sale or transfer of assets, we
may disclose and transmit information on you to a third party. For legal reasons. For
legal reasons. For certain legal reasons as described above, we reserve the right to
transmit or disclose any information about you to third parties.
E. Why do we secure your data?
In order to protect your personal information from ever-growing threats we strive to use
reasonable administrative, technical and physical guarantees and other security
measures. Unfortunately there can be no 100 percent secure data transfer over the
Internet or the data storage network. Please inform us immediately, in accordance with
the following communication methods, if you have reason to believe your relationship
with us is not safe anymore.
F. Various notices
This Privacy Policy’s effective date. The Data Protection Regulation begins on 1st of
August 2020. This privacy policy can be changed at any time, we reserve the right.
When last updated, we shall be aware of the Privacy Policy. Any modification of this
Privacy Policy is effective on the day it is posted. The use of our services following
these revisions means that the updated Privacy Policy is approved.
Residents of California. As mentioned at the beginning of this Privacy Policy, we have
another privacy disclosure in our privacy center if you are a California resident.
Would you like more information? You take the time to read this, we appreciate it. You
can reach us at info@affordablecoverage.com or send us a letter to 3110 Main St,
BLDG C, Santa Monica, CA 90405