Privacy Policy

This Privacy Policy is available in electronic form to the public at /privacy. If you have any further concerns or questions, please contact us and we will address them to the best of our ability. Please read this Privacy Policy carefully and return to it from time to time as we update it. By providing us with your personal information, you agree to the terms and conditions of this Privacy Policy.

What exactly is personal information? Personal information is any information that can be used to identify an individual. Personal information does not include an organization's employee's name, title, business address, or phone number.

Children: If you are under the age of 18, please get your parent or guardian's permission before sending any personal information to us or anyone else via the Internet. We encourage parents to become involved in their children's online activities and to be aware of what they are doing.

What personal information do we collect, and why?

Personal information is collected for specific, limited purposes. Information is gathered in a fair and lawful manner. Anyone can use this website without providing us with any personal information.

We do collect personal information in order to provide insurance quotes that we believe you would expect when shopping for insurance. We collect personal contact information (such as your name, address, email address, and phone number) when you request an insurance quote or other service, sign up for a newsletter or other email services, are an insurance broker or agent with an account with us, or provide it to us when you click the submit button on our website forms. This information is used to fulfill your request, deliver targeted advertising, and respond to your questions and feedback.

• If you are a broker or agent, we will keep your login ID and password on file so that we can remind you of them upon your request and receipt of identification.

• If you enter a contest or other promotion, we will use your personal contact information to administer the contest or promotion, which includes contacting, announcing, and promoting prize winners.

• We collect demographic information, as well as quote request history and a list of promotions offered to you (“history”), to gain a better understanding of your interests in order to develop better products and services and to determine eligibility for our products and services.

• We may also use demographic, personal contact, and history information to contact you about changes, enhancements, or other notices related to goods or services that you requested and that we provide from time to time. Furthermore, we may use this information to send you offers or information from us, our affiliates, and selected sponsors or advertisers (collectively, "Marketing Offers"). If you do not want to receive Marketing Offers, you can opt out at any time by following the steps outlined in our opt-out policy (see below).

• We keep notes and special instructions for insurance brokers and agents on file to assist us in fulfilling your request and providing customer service. For quality assurance purposes, we may record or monitor your phone calls with our customer service representatives.

• If you are an insurance broker or agent, we may collect credit card information from you. This credit card information is only used to fulfill your order.

• If you choose to opt-out of any use of your personal information in accordance with our opt-out policy, we will keep your contact information on file in order to honour your request. If you make a complaint to one of our departments, we will collect your contact information as well as the nature of your complaint in order to investigate and respond to you.

• If you are a service provider, we collect your social security number for tax reporting purposes as well as your contact information so that we can pay you. We may also collect financial information from service providers and advertisers (for example, banking information and credit history) in order to assess credit risk, sales data in order to prepare royalty reports, and other information to assist us in evaluating your services.

• If you visit any of our websites, we may assign an internet cookie to you. An internet cookie is a small text file that a website places on your browser and uses to collect and store information. We use cookies to better understand how you use our websites, to ensure that our ads and dynamic content are properly served, and to improve the overall performance of our websites. A cookie, for example, may recall a set of preferences you have set for our website and record items for which you have registered. By storing cookies on your web browser, we can present you with customized web pages and other content based on your preferences. If you are a registered user, for example, you may see a welcome page with your name on it. These activities are invisible to you and are generally designed to improve the ease with which you surf the internet. Unless you have set your preferences to be notified when a cookie is stored on your computer, you will be unaware of it.

Cookies and Advertising

If you are concerned about cookies, you can disable them in your web browser settings. Please be aware, however, that by disabling cookies, you may not be able to access all areas of our websites, particularly those that require registration.

We may include advertising or other links from third-party advertisers on our websites. If you click on these ads, the advertisers may place a cookie on your computer. We have no control over these cookies and are not liable for any marketing or other uses of your name by these advertisers.

Cookies or similar technologies are used by Onlineinsurancequote.com and its partners to analyze trends, administer the website, track users' movements around the website, and gather demographic information about our user base as a whole. You can control the use of cookies at the browser level, but if you disable cookies, you may be unable to use certain features or functions on our website or service.

Please review your browser’s documentation, including the links below:

• Google Chrome

• Internet Explorer

• Mozilla Firefox

• Safari (Desktop)

• Safari (Mobile)

• Android Browser

• Opera

• Opera Mobile

We collect certain information automatically, as is true of most websites. This information may include Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, files viewed on our site (e.g., HTML pages, graphics, etc.), operating system, date/time stamp, and/or clickstream data in order to analyze trends and administer the site.

We generally use your personal information for the following purposes: managing, administering, collecting, or otherwise enforcing accounts; keeping business records for reasonable periods of time and managing and administering our business in general; and meeting regulatory, legal, insurance, audit, security, and processing requirements. We occasionally ask our customers to participate in market research surveys. In a manner that does not reveal personal information, survey results are aggregated and shared with our advertisers, sponsors, and affiliates. Other than as permitted or required by law, purposes for collecting, using, or disclosing personal information that are not specified in this Privacy Code will be specified at the time of collection. No later than the time of collection, you will be given a reasonable opportunity to opt-out of any additional purposes.

We collaborate with a third party to display advertising on our website or manage our advertising on other sites, including ads for our client's products. Our third-party partner may use cookies or other similar technologies to target you with advertisements based on your browsing activities and interests. Please keep in mind that you will still see advertisements, but they will no longer be tailored to your specific interests.

To whom do we disclose personal information, and why?

Onlineinsurequote.com is neither an insurance company nor a broker/agent. We work with insurance companies and insurance brokers/agents on this website, and if you choose to receive an insurance quote from us, you will be disclosing information to them as well as to Onlineinsurequote.com. This will be clearly stated, and it will be included in the quoting process.

In addition, we may disclose your personal information in the following circumstances:

• In order to provide you with Marketing Offers (as described above), we may share your personal contact information with affiliates, as well as selected sponsors and advertisers. If you do not want to receive Marketing Offers, you can opt out at any time by following the steps outlined in our opt-out policy (see below).

• We may transfer your personal information on a confidential basis to a third party (which may be located outside of United States) acting on our behalf in order to perform processing and other specialized services, such as contest prize fulfillment, collection of past-due accounts, product delivery, or credit card processing. These companies are only permitted to use your personal information in order to provide these services to us in accordance with our written instructions. In such cases, these companies must comply with our data privacy and security requirements and are not permitted to use personal information obtained from us for any other purpose.

• We, an affiliate, or a third party service provider may process and store your personal information outside of the province in which you reside and/or outside of the United States for the purposes set out in this Privacy Code, and under the laws of these other jurisdictions, foreign courts, law enforcement agencies, or regulatory agencies may be entitled to access your personal information in certain circumstances.

• We may share your personal information with our affiliates for internal auditing, management, billing, administration, marketing, promotion, or other business purposes.

• When we need to disclose your personal information to unrelated parties, such as when we discover you have violated any stated terms of service or conditions of purchase, or when we need to comply with applicable laws and lawful governmental requests, other legal and regulatory authorities, and other legal reasons.

• We may disclose your personal information to parties involved in the contemplated or actual financing, insuring, sale, assignment, or other disposal of all or a portion of our business or assets, including determining whether to proceed or continue with such transaction or business relationship or to fulfill any records or other reporting requirements to such parties. Such parties will be required to treat your personal information in accordance with this Privacy Code and to use and disclose it only for the purposes for which it was collected.

Consent and opt-out policy

Onlineinsurancequote.com collects personal information in order to provide an insurance quote or other service. Any information requested by the presentation of any form on our website will be clearly marked, and no collection will take place unless you not only fill out the form, but also actively consent to and successfully submit the content of that form to us.

In general, we ask for your permission to use your personal information in accordance with our opt-out policy. We obtain your express opt-in consent to use or disclose sensitive personal information, except as otherwise specified in this section.

• Email Onlineinsurancequote.com at privacy@Onlineinsurancequote.com and request that your personal information not be used for Marketing Offers.

In general, by providing us with your personal information, we will assume that you consent to its collection, use, and disclosure for the purposes identified or described in this Privacy Code, if applicable, or otherwise at the time of collection. We reserve the right to use and disclose your personal information without your consent where required or permitted by law, such as when investigating a violation of a federal, provincial, or foreign law, in order to protect or defend our legal interests, or to comply with applicable laws and lawful governmental requests.

Safeguards: We keep personal information in both paper and electronic files. To protect your personal information, we employ technical, contractual, administrative, and physical safeguards. For example, when you provide us with personal information, we use industry-standard secure sockets layer (SSL) encryption technology to help protect the security of your information.