Important information for your use of our website.
- The types of information that we collect
- How we use the information we collect
- How we may share the information with third parties
- The security of the information
CONSUMER PRIVACY NOTICE FOR FINANCIAL SERVICES
Information We Collect
What We Collect Online
We collect certain “Personal Information” (as defined below) when you provide it to us while using the Website or other online resources, including social media resources. For example, you may provide us with certain Personal Information or other information when you request information about our services, or request someone to contact you by mail, phone, text message or email; or provide information on our social media accounts. For each visitor to our Website, our web server automatically collects certain information about your device, including information about your web browser, your IP address, the operating system you are using, your time zone, the date and time the user visited the Website, some of the cookies on your device, referring URLs (what website you came from) or what search terms referred you to the Site, Internet service provider, and information on the pages or products that you access or view or how you interact with the Site (“Device Information”). Most Device Information is collected via cookies or other analysis technologies such as log files, and is discussed in greater detail below under “Cookies and Interest-Based Advertising.”
What We Collect Offline
We collect information about your company and covered individuals, or about you individually, including Personal Information, when you interact with us outside of our Website, such as in person, over the phone or by mail, text message or email. For example, we may obtain Personal Information about you or other individuals when you provide it to us by filling out forms to request insurance, benefits or bonds, when we help you to fill out online applications or if needed to confirm your identity. We may also obtain Personal Information about you or covered individuals from third parties, including information from insurance companies that provide insurance through us. In addition, data we receive from third-party providers helps us verify information you have given us or to add demographic or other information to help us better understand your potential needs for additional products or services. We may combine information that we receive from our Website with information we receive from other sources or offline. If you give us information about other persons we will use it for the purpose you provide it but you are responsible for obtaining any required permission to do this.
“Personal Information” is defined as information related to your transactions with us such as (a) contact information (such as name, address, billing address, email address and telephone number), (b) demographic information (such as age, date of birth, gender and marital status and family information) and (c) credit card, bank account or debit card numbers and other payment information, driver’s license numbers, part or all of a social security number, passport numbers, payment or credit histories, insurance policy numbers, personal health information and geolocation information; and also may include some Device Information. Personal Information also may be referred to as “nonpublic personal information”.
How We May Use Information
We may use the information we collect (including Personal Information and Device Information) individually or combine it with other information to generate aggregate statistical information. When we aggregate information it does not identify an individual personally. The primary uses of the information include:
- To provide products or services you have requested or to notify you about different products or services;
- To operate, improve and personalize the services we offer, and to provide a more consistent and personalized experience when interacting with us online and offline, such as through the Website;
- For customer service, security, to detect fraud or illegal activities, and/or for archival and backup purposes in connection with the provision of the Website and providing our services, and to comply with applicable laws, rules and regulations;
- To send or have third parties send communications about products and services you have engaged us to obtain, or to send certain advertisements or marketing information (unless you have opted out of receiving certain types of communications);
- To communicate with you, or respond to your inquiries, including through email, telephone and text messaging (as you have consented to);
- To perform various types of communications, advertising campaigns, and/or promotional activities;
- To show online advertisements that are more relevant to our customers’ interests;
- To cooperate with law enforcement or other regulatory agency activities;
- To otherwise conduct our business as may be required.
How We May Share Information
We may share and disclose information including Personal Information as described at the time information is collected or as follows:
With Our Affiliates and Certain Non-Affiliated Companies
We may share information, including Personal Information, with our affiliated companies, and with insurance companies and other non-affiliated companies that provide services to our customers. We only share information in this way to offer services that may meet your interests and needs and to effect transactions, programs and services that you authorize or request. The companies outside our own affiliates are permitted to use this information, including Personal Information, only to provide their services to you and are not permitted to share Personal Information or to use it for any other purpose without our or your specific consent. We are not liable for the privacy policies or information security practices of such non-affiliated companies.
With Our Service Providers
We share information, including Personal Information and Device Information, with our service providers and contractors so that they can perform the functions for which we engage them (such as Website hosting and data analyses, providing information systems for storing or processing our business data, with respect to our provision of services, sending communications and processing credit card payments). We may also share information as needed to operate the Website and our information systems and other aspects of our business.
For Legal Purposes
We also may share and retain information that we collect to enforce our rights, protect our property or protect the rights, property or safety of others, or as needed to support external auditing, compliance and corporate governance functions. We will disclose information, including Personal Information, as we deem necessary to respond to a subpoena, governmental request, court order, search warrant or other legal or regulatory process or to comply with applicable laws and regulations, reporting and other legal requirements or when necessary to protect our customers and others.
We may transfer information, including Personal Information, in connection with our, or our affiliates’ participation in (in each case whether in whole or in part) a merger, sale, acquisition or other change of ownership or control by or of us or any affiliated company.
Security of Your Information
We utilize industry standard internal security practices to safeguard the information we have collected from you and to protect the privacy and confidentiality of Personal Information and transactions with us, and to comply with applicable federal and state laws, rules and regulations. We use administrative, technical and physical safeguards designed to restrict access to Personal Information and account information to our employees, agents, independent contractors and service providers who have a legitimate business need for such information with respect to our services. However, the security of information transmitted through the Internet or via e-mail or other means, can never be guaranteed. We are not responsible for any interception or interruption of any communications by you through the Internet or for changes to or losses of data. Users of the Website are responsible for maintaining the security of any password, user ID or other form of authentication involved in obtaining access to password protected or secure areas of the Website. You should recognize that your use of the Internet and the Website is solely at your own risk. If any breach of security is suspected we may suspend your use of any of the Website, or other systems, without notice, to protect you and your data while we investigate the issue. Access to and use of password-protected and/or secure areas of any of the Website or other systems that we control is restricted to authorized users only. Unauthorized access to such areas is prohibited.
We may provide websites and online resources that are specifically designed to be compatible with and used on mobile computing devices. Mobile versions of our Website do not provide access to an account.
Emails and Text Messages
We try to strike a balance between the security of your Personal Information and account information and your convenience. We note that we may send you an e-mail or a text message in unencrypted form (i.e. instantly readable) because many of our customers are unable to access encrypted (i.e. coded) e-mails or texts. This means that such message, if misrouted or intercepted, could be read more easily than encrypted messages. For this reason, please do not include confidential information or non-public personal information such as credit card numbers or insurance account numbers or passwords, in any unencrypted e-mail or text you send to us.
We may also enable you to post content to social networking sites (e.g. Facebook). If you choose to do this you acknowledge that you are responsible for your use of a social networking site. We are not responsible for the availability or accuracy of such social networking sites or your use of such sites. You also should not include any confidential information or certain Personal Information in any post you make to a public area of a third party social network page, especially since any such posting immediately becomes public.
Linking From Our Website to other Websites
We do not knowingly collect directly or maintain Personal Information from any person under the age of thirteen. No parts of our Services are directed to or designed to attract anyone under the age of thirteen.
We use “cookies” or “web beacons” (also called “clear GIFs” or “pixel tags”) or “log files” to obtain certain types of information when your web browser accesses our Website.
What are cookies? Cookies are data files that a website transfers to your computer or device for record keeping and other purposes. Cookies make navigating the Web easier for you by saving your registration, passwords and preferences while you’re at the Website. By using cookies, we can serve you better since they help us understand what information interests you.
We also use clear gif tracking images on some of our pages and in our HTML e-mails that we send you to determine open rates.
What to do if you do not want cookies used:
Do Not Track Features:
If you want to opt out of receiving marketing or promotional emails, text messages, mailings, or telephone calls, or want to ask us to delete certain information, please follow the directions in the communications or contact us at the phone number or through the email address set forth below.
Indiverse Insurance Services
735 Shelby St, Suite 32
Indianapolis, IN 46203
Phone: (800) 237-6518
CONSUMER PRIVACY NOTICE FOR FINANCIAL SERVICES
Indiverse Insurance Services
Indiverse Insurance Services may provide you with insurance products and services, including personal insurance, business insurance, employee benefits and bonds. In connection with providing those insurance products and services, Indiverse Insurance Services may obtain from you or others personally identifiable information that is not publicly available (“nonpublic personal information”). This Consumer Privacy Notice applies to the collection, use and security of your nonpublic personal information by Indiverse Insurance Services.
What Information We Collect
Nonpublic personal information we may collect includes information we receive from you on applications or other forms, through conversations or by telephone, information about your transactions with us, information provided by third party insurance agencies, current and prior insurers, government agencies, credit reporting agencies information and information from your visits to our websites. For example, your nonpublic personal information includes your name, address, date of birth, personal demographics (gender, marital status), social security number, details of insurance coverage, claims and payment history, credit history and credit scores, and transactions history with us and our affiliates (individually or collectively your “NPI”).
What Information We Disclose
The limited circumstances under which we may disclose a customer’s NPI include: to the extent necessary to service or process an application or other services related to insurance or benefits or bonds that you requested, authorized or are entitled to receive; to maintain your insurance, benefits or bonds; with your consent or at your direction; to respond to a subpoena, court order or legal investigation; to comply with federal, state or local laws or regulations; and to protect against fraud. For example, in connection with issuing an insurance policy, we may disclose NPI to potential insurance companies and consumer reporting agencies. We may also disclose NPI to companies that perform services for us and with whom we have a non-disclosure agreement. For instance, we have service providers with whom we contract to process applications and renewals, administer the policy, and perform customer surveys and research. Information we obtain from a report prepared by an insurance-support organization may be retained and disclosed by that organization. We may also share NPI in the course of referring you to one of our other affiliates or to non-affiliates that market insurance or other financial products that may be of interest to you.
Our Security Procedures
We use administrative, technical, electronic and physical safeguards designed to safeguard your NPI and protected our information systems, comply with applicable federal and state laws and regulations, and to restrict access to all of your NPI to those Indiverse Insurance Services or our affiliated companies’ employees or agents who need to know that information in order to serve you or permitted service providers.
Federal law gives individuals the right to limit sharing of NPI about their creditworthiness with our affiliates and to limit sharing of their NPI with our affiliates and non-affiliates for marketing purposes. If you choose to limit marketing with our affiliates, your choice will apply for at least five years from when you tell us your choice, and you do not need to act again until we send you a renewal notice. You may contact us using the methods listed below to “opt out” of these types of sharing. Please note this ability to opt out only applies to certain types of sharing by Indiverse Insurance Services and its affiliates that provide financial products and services and not to any other services or products offered by us or such affiliates.
- Call 800 237-6518 and talk to one of our representatives