Last Updated: 8/01/2018
You consent to the terms of this Policy when you access and use our Website. If you do not agree with this Policy or any part or portion hereof, do not access or use our Website, and do not submit any information to it.
If you have any questions or comments regarding this Policy, please contact us. Our contact information is as follows:
Preferred Insurance Services, Inc.
1029 Howard Street
Evanston, IL 60202
1. Collection and Use of Information
Preferred Insurance may collect some or all of the following information from you when you visit our Website:
A. “Personally-Identifiable Information” is information that you voluntarily provide to us that allows you to be identified, including without limitation your name and email address, and, in the event you choose to submit an application to purchase an insurance policy or related goods or services, your date of birth, social security number, Medicaid or Medicare information, and/or other payment details such as credit card number, credit card expiration date, and credit card security code (CSC) or verification (CVV) number. Personally-Identifiable Information may also include images or other content uploaded by you. We only use your Personally-Identifiable Information for the purposes of processing your insurance policy application and payment. We do not and will not collect your Personal Health Information (“PHI”). The type of information we collect from you will depend on the web pages you access at our Website and the activities you conduct here. For example, you will be required to provide us with Personally-Identifiable Information if you choose to submit an application to purchase an insurance policy through our Website, or register with our Website. Specifically, we may collect the following types of Personally-Identifiable Information from you for the following purposes:
(i) Our Website uses a registration form that requires your contact information (including without limitation your name and email address) and unique identifiers (including without limitation a username and password). We use such contact information to send you information about our company and the Services (as defined in the Terms & Conditions). Your contact information is also used when unique identifiers are collected to verify identity and for our own internal use.
(ii) Our Website provides an order form for you to use if you wish to request information about our Services or submit an application to purchase an insurance policy. We collect your contact information (including without limitation your name and email address), unique identifiers (including without limitation a username and password), and financial information (including without limitation your credit card number, credit card expiration date, and credit card security code (CSC) or verification (CVV) number), your Social Security number, and your Medicare and/or Medicaid information. Financial information and Medicare/Medicaid information is used for payment for the Services you purchase from us, including without limitation any insurance policies. Unique identifiers are collected from you to verify identity and for our own internal use.
B. “Non-Personally-Identifiable Information” is information or aggregated information that does not allow you to be personally identified, including without limitation the web pages that you access or visit.
2. Sharing of Information
Preferred Insurance believes that confidential information should remain confidential. We will never sell your Personally-Identifiable Information to third parties or other companies. However, we may share your Personally-Identifiable Information with our corporate affiliates, including without limitation our trusted third party service providers, to improve and better provide the Services. Such sharing of your Personally-Identifiable Information may occur for the following purposes, without limitation: (i) Processing of your payments for Services or insurance policies that you purchase; (ii) Communicating with you via email; (iii) Managing customer relationships; (iv) Performing analysis of our Services or those of our third party service providers; or (v) Performing analysis of customer demographics. Please note, while we do not store your credit card payment information, our third party credit card processor may do so.
In addition, we may share Non-Personally Identifiable Information, such as aggregate information, with our trusted third party service providers, to allow for integration of their services with ours and to provide you with better Services on our behalf.
3. Security of Information
The Website has security measures in place to protect the loss, misuse, and/or alteration of the information under our control. The security of your Personally-Identifiable Information is important to us. We use suitable, industry-standard physical, electronic, technical, administrative, and managerial procedures and safeguards to protect against unauthorized use, disclosure, alteration, and/or destruction of the Personally-Identifiable Information we collect from users on our Website. You should keep in mind, however, that no data transmitted over the Internet is 100% secure and any information disclosed online can potentially be collected and used by parties other than the intended recipient. As a result, while we strive to protect your information, we cannot guarantee or warrant the security of any information you transmit to or from our Website.
4. Choice to Opt-Out
You may opt out of receiving communications from us, including without limitation marketing and promotional materials, on our online form, located on the “contact us” tab, which gives you the option to not receive future communications from us (including without limitation marketing and promotional materials), or to no longer receive our Services.
5. Disclosures of Information Required by Law
If at any time Preferred Insurance is required by law, regulation, subpoena, court order, or other valid legal process or requirement to release any information, including without limitation your Personally-Identifiable Information, we will fully cooperate with legal authorities in doing so. Likewise, we reserve the right to disclose your Personally-Identifiable Information to the extent necessary to protect our rights or safety, or the rights or safety of others. In addition, we may share your Personally-Identifiable Information with our credit card processors and banks if required to investigate fraud or credible allegations of fraud.
6. Links to Other Sites
7. United States Only
This Website is intended for use by residents of the United States of America only, and our Services and insurance policies are offered and sold to residents of the United States of America only. Specifically, our Services and insurance policies are not offered to or intended to be offered to, and this Website is expressly not intended for use by, parties in EU member states. Accordingly, if you are in the EU, please do not use or access the Website, and do not submit any information (whether Personally-Identifiable or Non-Personally-Identifiable) to it. All matters relating to this Website are governed by the laws of the State of Illinois and the United States of America, as applicable. If you are located outside of the United States of America and you contact us, please be advised that any information you provide to us will be transferred to the United States of America and that by submitting information to our Website, you explicitly authorize such transfer.
8. Business Transition
In the event we go through a business transition, including without limitation a merger with or acquisition by another company, or a sale of all of or a portion of our assets, your Personally-Identifiable Information will likely be among the assets transferred to the acquiring entity. In addition, if any bankruptcy or reorganization proceeding is brought by or against us, your Personally-Identifiable Information may be considered an asset of ours and may be sold or transferred to third parties. If any of the foregoing occurs, this Policy may no longer be applicable to your Personally-Identifiable Information.
9. A Special Note to Parents
We respect the privacy of all of our online users, especially children. This Website is not directed or targeted to, or intended for use by, children under the age of 13. By proceeding to access and use the Website, you represent and warrant to us that you are over the age of 13. If you are 13 years old or younger, you are not authorized to access or use the Website, and in that case, please do not proceed. Furthermore, we do not intend to collect Personally-Identifiable Information from children under the age of 13. Our Policy is intended to adhere to the Children's Advertising Review Unit (CARU) privacy guidelines and the Children’s Online Privacy Protection Act (COPPA). We encourage parents to monitor, supervise, and join their children in online activities.
10. Changes to This Policy
We reserve the right, in our sole discretion, to change, modify, update, or replace this Policy at any time and for any reason. Please check back from time to time to ensure that you are aware of any changes or updates to this Policy. We will indicate the Policy’s effective date on the first page hereof. Your continued access to or use of the Website after such changes or replacement indicates your acceptance of and agreement to such changes or replacement. If you disagree with any changes to or replacement of this Policy, please cease your access to and use of our Website immediately.
11. Changes to Your Personally-Identifiable Information
You may request details about your Personally-Identifiable Information that we hold by emailing us at the email address provided above. If you believe that any of your Personally-Identifiable Information is incorrect or incomplete, please email us at the foregoing email address to request correction. Upon receipt of your email, we will reasonably correct any of your Personally-Identifiable Information found to be incorrect.