Privacy Policy | PetInsuranceQuotes.com

PetInsuranceQuotes.com Privacy Policy

Last updated: November 3, 2023

This Privacy Policy describes how PetInsuranceQuotes.com (the “Site”) collects, uses, and shares personal information in the course of operating our business. It also describes the privacy choices and rights available to you. The Site is owned and operated by Pet Insurance Quotes LLC (“PIQ,” “we,” or “us”), which provides online insurance brokerage, insurance coverage quotes and estimates, and related services.

This Privacy Policy applies to the personal information we collect in association with your interactions with us. This includes, but is not limited to, when you use our desktop or mobile websites, seek insurance quotes using our Site, and/or otherwise transact with us. This also includes when you interact with us via social media or other third-party sites, such as Facebook, Twitter, and Instagram, as well as when you view our online advertisements or emails; interact with our authorized service providers, business partners, and vendors; contact or communicate with us via phone, email, or other methods; and when you interact with us offline (“Offline Services”). The Site and Offline Services are collectively referred to in this Privacy Policy as the “Services.” By using or accessing the Services, you agree that you have read and agreed to the collection, use, and sharing of your personal information as described in this Privacy Policy, and you agree to our Terms of Use, which are incorporated by reference. If you do not agree, please do not access or use the Services.

For ease of reference, you may click on the following links to directly access one of the sections of this Privacy Policy:

SUMMARY OF OUR PRIVACY PRACTICES
HOW WE COLLECT YOUR INFORMATION
HOW WE USE YOUR INFORMATION
HOW WE SHARE YOUR INFORMATION
DIGITAL TRACKING TOOLS & INTEREST-BASED ADVERTISING
STATE PRIVACY RIGHTS
CALIFORNIA Privacy Rights & Reporting
NEVADA RESIDENTS
How to Update Your Information & COMMUNICATION PREFERENCES
Data Security
Transfer of Data from Outside the United States
Children
EXTERNAL Content, Links, and Plug-Ins
Changes to this Privacy Policy
Contact Us

1. SUMMARY OF OUR PRIVACY PRACTICES

We collect personal information when you use our Services when you interact with us, and from our business partners and other authorized third parties. The table below summarizes the categories of personal information we collect, the sources from which we collect this information, how we use the information, and the categories of recipients who receive the information from us. For more information about our practices, please see Sections 2, 3, and 4.

Personal Information We Collect	Sources From Which We Collect the Information	Our Purpose for Collecting the Information	Types of Recipients to Whom We Disclose the Information
Personal Identifiers such as: Names; email addresses; zip codes; telephone numbers; devices and online or advertising identifiers; IP addresses; social media handles; usernames; and photos of you or your pet that you send to or share with us.	You or the devices you use Businesses that provide services in partnership with us or on our behalf Businesses we acquire Data analytics providers Marketing and advertising providers Businesses we retain to supplement or verify our customer records, including data brokers Social media platforms Other customers that may provide us with your information Our affiliates, business units, and subsidiaries	Providing pet insurance quotes via third-party insurance providers and providing or registering you for the Services Communicating with you and providing customer support Improving our products and services and analyzing our performance Learning about customer trends and interests Administering contests and promotions Delivering marketing, personalized digital content, and targeted advertising Identifying the device(s) you use to access our content Preventing fraud or harm to us or others; protecting assets; and maintaining security	Affiliates, business units, and subsidiaries Authorized service providers and vendors we use to operate our business, such as financial institutions; IT, cloud, information security, and similar technology providers; advertising and marketing partners; and analytics providers Third parties we partner with to offer our Services, such as pet insurance providers Businesses we retain to supplement or verify our customer records, including data brokers Advisors and consultants Law enforcement, government authorities, insurance providers, and others we deem reasonably necessary to comply with the law and protect the rights and property of PIQ, you, and others Successors to all or part of our business
Transactional & Commercial Information such as: Products or services purchased, obtained, or considered; purchasing histories or tendencies.	You or the devices you use Businesses that provide services in partnership with us or on our behalf Businesses we acquire Data analytics providers Marketing and advertising providers Businesses we retain to supplement or verify our customer records, including data brokers Social media platforms Our affiliates, business units, and subsidiaries	Providing pet insurance quotes via third-party insurance providers and providing or registering you for the Services Communicating with you and providing customer support Improving our products and services and analyzing our performance Learning about customer trends and interests Administering contests and promotions Delivering marketing, personalized digital content, and targeted advertising Preventing fraud or harm to us or others; protecting assets; and maintaining security	Affiliates, business units, and subsidiaries Authorized service providers and vendors we use to operate our business, such as financial institutions; IT, cloud, information security, and similar technology providers; advertising and marketing partners; and analytics providers Third parties we partner with to offer our Services, such as pet insurance providers Advisors and consultants Law enforcement, government authorities, insurance providers, and others we deem reasonably necessary to comply with the law and protect the rights and property of PIQ, you, and others Successors to all or part of our business
Browsing Activity & Usage Data such as: Browsing and search history and information about your interactions with our Site, emails, and advertisements; Internet Service Providers; mobile carriers; entry and exit URLs; language settings; and time zones; and aggregate information	You or the devices you use Businesses we acquire Data analytics providers Marketing and advertising providers Social media platforms Our affiliates, business units, and subsidiaries	Improving our products and services and analyzing our performance Learning about customer trends and interests Delivering marketing, personalized digital content, and targeted advertising Identifying the device(s) you use to access our content Preventing fraud or harm to us or others; protecting assets; and maintaining security	Affiliates, business units, and subsidiaries Authorized service providers and vendors we use to operate our business, such as IT, cloud, information security, and similar technology providers; advertising and marketing partners; and analytics providers Advisors and consultants Law enforcement, government authorities, insurance providers, and others we deem reasonably necessary to comply with the law and protect the rights and property of PIQ, you, and others Successors to all or part of our business

Profiles & Inferences such as: Preferences, interests, and other characteristics related to consumer trends.	You or the devices you use Businesses that provide services in partnership with us or on our behalf Businesses we acquire Data analytics providers Marketing and advertising providers Businesses we retain to supplement or verify our customer records, including data brokers Social media platforms Our affiliates, business units, and subsidiaries	Providing pet insurance quotes via third-party insurance providers, and providing or registering you for the Services Communicating with you and providing customer support Improving our products and services, and analyzing our performance Learning about customer trends and interests Administering contests and promotions Delivering marketing, personalized digital content, and targeted advertising	Affiliates, business units, and subsidiaries Authorized service providers and vendors we use to operate our business, such as financial institutions; IT, cloud, information security, and similar technology providers; advertising and marketing partners; and analytics providers Third parties we partner with to offer our Services, such as pet insurance providers Advisors and consultants Law enforcement, government authorities, insurance providers, and others we deem reasonably necessary to comply with the law and protect the rights and property of PIQ, you, and others Successors to all or part of our business
Location information such as: Zip code, GPS coordinates, latitude and longitude, and precise geolocation information,	You or the devices you use Businesses that provide services in partnership with us or on our behalf Businesses that we acquire Businesses that we retain to supplement or verify our customer records, including data brokers Data analytics providers Marketing and advertising providers Social media platforms Other customers that may provide us with your information Our affiliates, business units, and subsidiaries	Providing pet insurance quotes via third-party insurance providers, and providing or registering you for the Services Communicating with you and providing customer support Improving our products and services, and analyzing our performance Learning about customer trends and interests Administering contests and promotions Delivering marketing, personalized digital content, and targeted advertising Preventing fraud or harm to us or others; protecting assets; and maintaining security	Affiliates, business units, and subsidiaries Authorized service providers and vendors we use to operate our business, such as financial institutions; IT, cloud, information security, and similar technology providers; advertising and marketing partners; and analytics providers Third parties we partner with to offer our Services, such as insurance providers Advisors and consultants Law enforcement, government authorities, insurance providers, and others we deem reasonably necessary to comply with the law and protect the rights and property of PIQ, you, and others Successors to all or part of our business
Audio or Visual Recordings, such as: Call recordings created when you call customer support.	Videos, photos, or recordings you provide directly to us for any reason Businesses that we acquire Our affiliates, business units, and subsidiaries	Communicating with you and providing customer support Learning about customer trends and interests Preventing fraud or harm to us or others; protecting assets; and maintaining security	Affiliates, business units, and subsidiaries IT, cloud, information security, and similar technology providers Advisors and consultants Law enforcement, government authorities, insurance providers, and others we deem reasonably necessary to comply with the law and protect the rights and property of PIQ, you, and others Successors to all or part of our business

We collect certain demographic information, such as gender, date of birth, or age, in aggregate form through certain technologies such as Google Analytics, as described further below in the section titled “Digital Tracking Tools and Interest Based Advertising.” Aggregated data is data that has been combined or collected together in summary and cannot be identified or tied to an individual (“Aggregate Data”). In addition to Google Analytics, sources of this information may include our affiliates, businesses that provide services to us, such as data analytics or marketing providers, and other social media platforms. We use this aggregated information to provide information related to the Services, improve our products and offerings, and learn about our customers. We may share such information with our affiliates or business units, service providers, or other third parties.

Because of the nature of our Services, we may ask for information about your pet, such as name, breed, sex, and date of birth. This information is strictly related to your pet, not You as the pet owner. As such, this information is not considered personal information as that term may be described under applicable data privacy and security legislation.

HOW WE COLLECT YOUR INFORMATION

Information You Provide to Us

We collect your personal information when you provide it to us, such as by soliciting pet insurance quotes or offers on our Site; using or registering for our Services; providing reviews or ratings of our Services; or when you otherwise contact or communicate with us. This includes your name, zip code, and email address. We also collect certain personal information from you in connection with specific interactions you have with us. For example:

When you seek pet insurance using the Site. If you submit your information to our Site in order to receive pet insurance quotes, we collect the information that you supply to us, such as your name, zip code, email address, and your pet’s names, species, breeds, genders, and ages. We use and share each of these data points to return custom pet insurance quotes from third-party insurance providers, as explained in more detail below under “Information We Share.” We use this information to contact you by email with offers and information related to pet insurance and other pet-related products and services. Third-party insurance providers and other affiliates and/or organizations may use the information you submit on the Site to contact you directly about your inquiries regarding pet insurance and related products.
When you contact us, or interact with us online, via social media, or in public. If you contact us through email, our Site, social media, or otherwise, we may collect your name, email address, online usernames or other identifiers, telephone number, location, your pet’s information, and other information you choose to provide during our interaction. We will also collect this information if you choose to participate in a survey, contest, or promotion with us or our business partners. If you interact with us online or on social media platforms such as Facebook, Twitter, or Instagram, we may collect your name, online usernames or other account identifiers, email address, and any media or information (such as photos) that you choose to share with us on those platforms or that you tag us in. We may use customer satisfaction surveys and product review tools facilitated internally or via third-party vendors, which allow you to review products online, via email, or using your mobile device. If you opt to participate in such features, we will receive your review in the format you submit it, as well as personal information that correlates with your review, such as your email address, and other information you submit with your review.

Automatically Collected Information

Device & online information collected by digital tracking tools. Like many businesses, we use digital tracking tools such as browser cookies, flash cookies, pixel tags, server logs, and web beacons to automatically collect information when you use our Site, when you interact with our emails, and when you engage with our digital offerings. We also partner with third parties that place tracking tools on our Site, emails, and advertisements in order to facilitate advertising, tracking, analytics, and performance measurement. These digital tracking tools collect information about your activities over time on various digital platforms and services offered by us or others. These tools collect, for example, your browser type and settings; device attributes such as type and model; operating system; software and hardware information; IP address; mobile device identifiers; advertising identifiers; unique device and online identifiers including device serial numbers, IMEIs, and UDIDs; Internet Service Providers; mobile carriers; entry/exit URLs; your clickstream through our Site; your clicks within and other interactions you have with our emails; language settings; time zones; other software or services in use; and your geolocation, GPS location, on-Site shopping location if you visit our affiliated retail stores, or other location information as described more fully below under “Location Information.” We also automatically collect information about your use of our online platforms and offerings, including the date and time you visit; the areas or pages that you visit; the amount of time you spend viewing or using the Site; the number of times you return to the Site; clickstream or usage data from our Site and advertisements; other sites or mobile applications that you may visit; and your interactions with our promotional or transactional emails, advertisements, online content, and texts from us or our business partners. For more information on your choices related to digital tracking tools, please see Section 5 (“Digital Tracking Tools & Interest-Based Advertising”).
Location information. If you access the Site online, we may automatically detect your location so that we can help you find Services in your general area. We may, depending on your device, application, and operating system settings, directly collect precise geographic location information and sensor data via GPS, cellular network information, and other location-based features, including the latitude and longitude of your device, as well as date and time. Most browsers and devices allow you to disable the collection of your precise geolocation. Please visit your browser’s or device’s “Help” or “Settings” menu for more information.
Information you integrate from other online platforms. When using the Services, you may be given the option to sign into or connect to your social networking or other online accounts, such as Facebook, Twitter, your email provider, your mobile device provider, or similar online platforms. If you choose to integrate your use of our Services with any external platforms, we and those platforms automatically collect, receive, and use personal information about you based on your registration and settings with those services. Such information may include your name, social media usernames or similar unique identifiers, address, email address, IP address, unique device and online identifiers, pet information, photographs you share, location information, and your social media or account profile information. Some online platforms may combine information they collect from your interaction with the Services, with information they collect from other sources. Please see Section 12 (“External Content, Links, and Plug-Ins”) for more information. It is your choice whether to sign into or connect your other online accounts with your use of our Services. Your use of any external platforms is subject to those platforms’ privacy policies.

Information Collected from Other Sources

We also obtain personal information from third parties who have the right to provide such information to us. For example, if we acquire another business that you have shopped at or visited, that business may provide us with your personal information as part of our acquisition. In addition, we acquire certain information from data brokers and other third parties, including address information that we use to validate or update your postal address or prevent fraud; demographic and lifestyle information (such as the size of your household, age, and gender) to help us analyze our business’ performance or improve the Services; and information about your online and offline transactions and purchases to help us analyze or improve the Services. We may also receive your information from other Site customers who choose to provide your information to us. We also receive personal information, such as your name, address, phone number, email address, transaction details, and pet information, from our business partners when you participate in joint marketing promotions, events, transactions, or similar partnerships or Services we offer with third parties with whom we share a joint venture or similar business relationship.

HOW WE USE YOUR INFORMATION

We collect, use, retain, and share personal information collected from or about you for the following purposes:

To provide and improve the Services. For example, we use your personal information, such as your e-mail address and zip code, to process your insurance quote request with third-party insurance companies, to help provide insurance premium rate quotes, to provide third-party insurers with the information needed for applications, and to provide and improve our offerings and customer service. We also use personal information to analyze and improve the performance, usage, and operations of our Services using internal or external software and tools; to better understand who is using the Services and how; to improve our marketing; and to develop new offerings.
To communicate with you. For example, we use your personal information, such as your email address, to respond to your inquiries; to provide you with information about your quote request and/or the Services; to conduct surveys, sweepstakes, contests, focus groups, and promotions; to engage with you over Site features such as product ratings, reviews, and comments; to provide you with marketing and advertising by email, mail, telephone, text message, push notifications, and/or across other websites, mobile applications, social media, and online services as appropriate; and to otherwise communicate with you as needed or permitted to run our business.
To deliver personalized advertising and other information we think may be of interest to you. For example, we use your personal information, such as your IP address, location, and device identifiers, to help us or our business partners deliver interest-based advertising and content that is tailored to your individual interests. We, or our service providers, partners, vendors, or affiliates, may provide this content via email, mail, telephone, text message, push notifications, and/or across other websites, mobile applications, social media, or online services, as appropriate. We may also use your personal information to enhance and personalize your online and in-store shopping experiences with our affiliated retail stores and to recognize or welcome you to the Site. In addition, we and our vendors use your personal information to evaluate your potential eligibility for and interest in special offers. If you choose to participate in a publicly posted or online petition (or similar advocacy activities), we may use your personal information for marketing and contacting you regarding similar subjects we think may be of interest to you. Please visit Section 5 below (“Digital Tracking Tools & Interest-Based Advertising”) for further information on how to opt out of certain interest-based advertising. California residents may refer to Section 6 (“California Privacy Rights & Reporting”).
To perform business reporting, analysis, and research. For example, we use information about your insurance quote requests, your location, and information about your use of the Services to engage in reporting, analytics, and research that helps us operate or improve our business. This includes metrics measuring the performance of our marketing efforts and advertisements that you may see or receive. To assess our business and marketing performance, we and our vendors may also combine, supplement, and update the personal information we collect from and about you with information collected offline, across other computers or devices that you may use, and from external sources. We also use your information to better understand who is using the services, to develop new offerings, and to help us analyze and improve the performance, usage, and operations of our Services overall. We use external software providers and tools to help us perform these analytics.
To prevent fraud, comply with applicable law, protect our business, and other purposes. For example, we may use your name, contact information, IP address, and other personal information to protect the security or integrity of the Services and our business; to prevent fraudulent activity; to investigate potential security incidents; to assist law enforcement; to protect our rights and/or the rights of third parties; and/or to comply with our legal or regulatory obligations. We may also use and share aggregated, anonymized, or de-identified personal information for any legally permissible purpose.

HOW WE SHARE YOUR INFORMATION

We may share or disclose the personal information we collect from or about you. We will share or disclose your information when we notify you or obtain your consent; when our service providers or vendors need to receive or process such information in order to provide a business service in partnership with us; and/or in any of the below contexts.

Affiliates and related entities. We will share your personal information with our affiliates, business units, and/or subsidiaries for business, operational, promotional, marketing, or other purposes consistent with this Privacy Policy.
Pet insurance providers. If you obtain pet insurance, we will share your personal information with pet insurance providers or brokers to facilitate your transaction and Services. We may also share your information with veterinary providers where permissible or appropriate.
Service providers, business partners, and vendors. We share your personal information with service providers, business partners, and vendors that we use to perform business, professional, or technical support functions for us, or that otherwise help us operate our business. For example, we share your personal information with third parties who assist us with providing insurance quotes, processing and responding to your inquiries, advertising and marketing the services, analyzing the effectiveness of our marketing and advertising, and maintaining our IT systems. These recipients include advertising networks, digital tracking tools, and data analytics providers. In addition, if you participate in a publicly posted or online petition we are involved with, we may share the personal information you provide with our advocacy targets, such as government officials, news publications, legislators, and others. Likewise, if you participate in such a co-branded, co-sponsored, or jointly presented promotion, product, contest, survey, voting feature, or service, your personal information will also be subject to those parties’ privacy policies. We may also share aggregated, anonymized, or de-identified information with third parties where permissible under applicable law.
Surveys, sweepstakes, contests, and similar promotions. If you choose to enter into or participate in one of our surveys, sweepstakes, contests, or other promotions, we may disclose your personal information to third parties, regulators, or the public in connection with the administration of these items, as required by law, as permitted by the official rules, or otherwise in accordance with this Privacy Policy.
User Experience Testing. We may invite you to participate in a user experience test that allows us to gain insight about the Services. We will invite you to participate via your email address. Participation is entirely voluntary. Information collected during user experience testing will be used for internal purposes only.
Sales or transfers of businesses or assets. We may sell or purchase assets during the normal course of business. If another entity acquires our business and/or any of our affiliates, personal information we have collected about you may be transferred to such an entity. In addition, if any bankruptcy or reorganization proceeding is brought by or against us, such information may be considered an asset of ours and may be sold or transferred to third parties.
Legal, regulatory, and compliance purposes. We may disclose personal information we collect from or about you to the government, insurance providers, fraud prevention services, or other third parties. We share your information with these parties to comply with applicable laws, regulations, governmental and quasi-governmental requests and investigations, court orders, subpoenas, or other legal processes, and to defend ourselves in legal matters. We may also share your personal information with law enforcement, regulators, and government authorities in connection with suspected illegal or fraudulent activity associated with our Services; to protect against harm to us, to the Services, or to others; to detect security incidents; and/or to defend ourselves in legal matters.

DIGITAL TRACKING TOOLS & INTEREST-BASED ADVERTISING

Certain parts of our Site use cookies and other digital tracking tools to deliver more relevant advertising to you, perform analytics, and link data collected across other devices, websites, and apps you may use. These tools help us improve your online experiences, deliver personalized advertising, improve our operations, and save you from having to re-enter information each time you visit our Site. Some of the tools we use are operated by third parties, such as Google Analytics, a web analytics service provided by Google which uses cookies and similar technologies to collect and analyze information to understand the use of our Site and to compile reports on activities and trends. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor and any referring website. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. You can learn about Google’s practices here, and you can remove Google Analytics from your browser by installing the Google Analytics browser add-on, available here.

In addition, our Site may use third-party tools known as “session replay” technology, which allows us to understand how users interact with our Site. These tools recreate a “replay” of a user’s online experience, including clickstreams and other interactions with our content, which we use to de-bug our Site, perform analyses, and improve our operations. For example, we may use Hotjar in order to better understand our users’ needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users’ experiences (e.g., how much time they spend on which pages, which links they choose to click, what users do and do not like, etc.), and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users’ behavior and their devices. This includes a device’s IP address (captured and stored only in anonymized form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and preferred language used to display our Site. Hotjar stores this information in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf. For further details, please see Hotjar’s privacy policy. You can opt-out to the creation of a user profile, Hotjar’s storing of data about your usage of our Site, and Hotjar’s use of tracking cookies on other websites by following the directions found here.

Our digital tracking tools may also collect information regarding your use of other websites, applications, and online resources. We also use third-party advertising networks to serve ads on our behalf on our own Site, and on third-party websites and mobile applications. These networks may collect information about your visits to our platforms in order to provide you with ads about goods and services that may be of interest to you. They may also keep track of your interaction with our ads and your visits to our Site.

Some browsers or operating systems allow you to adjust your settings to limit certain tracking or to decline cookies. You can refer to your browser’s or operating system’s website or the “Help” section for more information on how to delete and/or disable cookies and options for controlling your tracking preferences. Some browsers offer a “Do-Not-Track” feature. We may not respond to Do-Not-Track requests or headers from some browsers. Please note that you may need to separately disable cookies on each browser and device you use to access the Services. If you choose to opt out of personalized advertising, you will still continue to receive generic advertising. If you disable, delete, or block cookies, you may not be able to place orders or use all of the features on our Site. If you disable, delete, or block cookies, not all of the tracking described in this Privacy Policy will stop, and you will still receive generalized advertising. To learn more about the use of cookies and other technologies used to deliver more relevant advertising and to know your choices with respect to the collection and use of the data by these external tools and participating companies, please visit the Digital Advertising Alliance’s opt-out pages, available here and here. You can also download the free “AppChoices” app from the Digital Advertising Alliance to control how much information about your interests is used for in-app advertising on your mobile device by participating companies. More information is available here from the Digital Advertising Alliance.

YOUR STATE PRIVACY RIGHTS AND ADDITIONAL DISCLOSURES

Depending on the state in which you reside, you may have certain privacy rights regarding your personal data. If you are a California resident, please see our “California Privacy Rights and Reporting” section below. For other state residents, your privacy rights may include (if applicable):

The right to confirm whether or not we are processing your personal data and to access such personal data;
The right to obtain a copy of your personal data that we collected from and/or about you in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the information to another controller without hindrance, where the processing is carried out by automated means;
The right to delete personal data that we collected from and/or about you, subject to certain exceptions;
The right to correct inaccurate personal data that we maintain about you, subject to certain exceptions;
The right, if applicable, to opt out of the processing of your personal data for purposes of (1) targeted advertising; (2) the “sale” of your personal data (as that term is defined by applicable law); and (3) profiling in furtherance of decisions that produce legal or similarly significant effects concerning you;
If we are required by applicable law to obtain your consent to process sensitive personal data, the right to withdraw your consent; and
The right not to receive discriminatory treatment by us for the exercise of your privacy rights.

Depending on how the applicable privacy law defines a “sale,” we may sell personal data to third parties. For instance, if you are a resident of Colorado or Connecticut, our use of cookies and tracking technologies constitutes the sale of personal data to third-party advertisers. We also use cookies and other tracking technologies to display advertisements about our products to you on nonaffiliated websites, applications, and online services. This is “targeted advertising” under applicable privacy laws. We do not use personal data for profiling in furtherance of decisions that produce legal or similarly significant effects concerning individuals.

To exercise your rights, please submit a request through our interactive web form available here or by emailing us at [email protected]. If legally required, we will comply with your request upon verification of your identity and, to the extent applicable, the identity of the individual on whose behalf you are making such a request. To do so, we will ask you to verify data points based on information we have in our records. If you are submitting a request on behalf of another individual, please use the same contact methods described above. If we refuse to take action regarding your request, you may appeal our decision by replying to the email you received from us in response to your request.

CALIFORNIA Privacy Rights & Reporting

If you are a California resident, this section applies to you. The California Consumer Privacy Act (“CCPA”) and the Shine the Light law afford California residents certain rights with respect to their personal information. The CCPA defines “personal information” as any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to, a particular consumer or household. The CCPA gives California residents the following rights related to their personal information:

Right to Know: You have the right to request that we disclose the categories and pieces of personal information we have collected about you, the categories of sources from which your personal information was collected, our purpose for collection, and the categories of personal information we disclose and to whom.
Right to Delete: You have the right to request that we delete your personal information, subject to certain exceptions.
Right to Opt-Out of Sales: You have the right to request that we do not “sell” your personal information to third parties. We share certain personal information with third parties in exchange for valuable consideration, which may meet the CCPA’s definition of “sell.” We “sell” personal information under the CCPA for the commercial purposes of obtaining insights, analytics, marketing services, and other valuable services provided to us by third parties. These third parties help us enhance your experiences with us, provide more relevant advertising, improve our ability to serve you, and keep you aware of our products, services, and offers. We do not knowingly sell the personal information of minors under the age of 16.
Right to Opt-Out of Financial Incentives: You have the right to opt out of any financial incentive programs we may offer, as described below in our Notice of Financial Incentives.
Right to Non-Discrimination: You have the right not to receive discriminatory treatment for exercising your privacy rights. We respect your privacy rights, and we do not discriminate against individuals for exercising their rights under the CCPA.

The table in Section 1 summarizes for the preceding 12 months the categories of personal information we have collected, the sources from which we collected this information, the business or commercial purpose for the collection, and the categories of recipients to whom the information was disclosed.

How to Exercise Your Right to Know and Your Right to Delete

If you are a California resident or an authorized agent acting on behalf of a California resident and you wish to exercise the Right to Know or the Right to Delete, you may submit by completing our web form or by emailing us at [email protected]. You may submit a Right to Know and/or a Right to Delete request at no charge up to two times every 12 months.

When you submit a Right to Know or Right to Delete request, we will verify your identity by matching the information provided by you with the information we have in our records. In some cases, we may need to request additional information in order to verify your identity or, where necessary, process your request. If we are unable to adequately verify your identity or the legitimacy of your request, we will notify you or the requester. If you fail to timely respond to our request to verify your identity, your request may be denied. Please note that, even if your Right to Delete request is granted, we may retain certain limited personal information where necessary under applicable law, such as to fulfill a contract with you, to comply with other laws, to prevent fraud, for dispute resolution, to protect information security, and to enforce our Terms of Use and other agreements.

You may submit a Right to Know or Right to Delete request on your own behalf, or you may designate an authorized agent to make a request on your behalf. If an agent submits a Right to Know or Right to Delete request, the agent must present signed, written authorization to act on your behalf. You will also be required to independently verify your own identity directly with us and to confirm with us that you provided the agent permission to submit the request. This verification process is not necessary if your authorized agent provides documentation reflecting that the agent has the power of attorney to act on your behalf under California Probate Code sections 4121-4130.

How to Exercise Your Right to Opt-Out of Sales

If you are a California resident or an authorized agent acting on behalf of a California resident and you wish to exercise the Right to Opt-Out of Sales, you may do so by completing our web form or by emailing us at [email protected]. If an authorized agent submits the request, they must provide us with a signed, written authorization to act on your behalf. To process your request, our privacy vendor will place a cookie on your browser to automatically prevent the sale of your personal information when you use that browser to visit our Site. You will need to submit a separate Opt Out of Sale request on each browser and device that you use to visit our Site. Please note that after we process your request, you may still see advertising regarding our products and services. This advertising is designed for a general audience, or it may be delivered by service providers in ways that do not involve sales of your personal information.

Notice of Financial Incentives

From time to time, we may invite you to participate in different surveys or user experience testing in exchange for a financial incentive. You will be informed if there is a financial incentive and what such financial incentive is at the time of your invitation to participate. Categories of personal information that we may collect when you participate in these offerings include your name, email address, and any information you choose to provide in the context of the offering. Participating is entirely voluntary.

California’s ‘Shine the Light’ Law

Under California’s “Shine the Light” law, a California resident with whom we have an established relationship has the right to request information about our disclosure of personal information to affiliated companies or third parties for their direct marketing purposes within the immediately preceding calendar year, subject to certain exceptions. To exercise this right, please contact us as described herein.

8. NEVADA RESIDENTS

Nevada residents have the right to request that we do not sell certain personal information to select third parties for monetary consideration, even if their personal information is not currently being sold. If you are a Nevada resident and wish to exercise this right, please email [email protected].

9. How to Update Your Information & COMMUNICATION PREFERENCES To change your communication preferences, please follow the instructions below:

- Email Promotional Offers. If you do not want to receive emails from us regarding special promotions or offers, you may (i) click the unsubscribe link in the footer of any of our promotional emails; or (ii) contact us using one of the methods in the “Contact Us” section below. Please note, that you may still receive transactional emails from us.
- Direct Mail Promotional Offers. If you do not want to receive any promotional offers through the mail, you may contact us using one of the methods listed in the “Contact Us” section below. To opt-out by email or mail, please include “Do Not Mail” in the subject line so your request can be properly directed.
- Mobile/Telephone Promotional Offers. If you do not wish to receive text messages from us, you can (i) follow the instructions provided in those messages or otherwise reply STOP, or (ii) contact us using one of the methods listed in the “Contact Us” section below.

Your instructions to limit the use of your information for these purposes will be processed as soon as reasonably practicable.

10. Data Security

We have taken certain physical, administrative, and technical steps designed to safeguard the personal information we collect from and about our customers. However, please be aware that despite these measures, no e-commerce platform, website, application, or system is 100% secure. You should take reasonable steps to protect your personal information against unauthorized access to your passwords, phone, and computer by, for example, signing off after using a shared computer; choosing a unique password for each account that no one else knows or can easily guess; and keeping your log-ins and passwords private. We are not responsible for any lost, stolen, or compromised passwords or for any activity on your account via unauthorized password activity.

11. Transfer of Data from Outside the United States

We are located in the United States, and therefore collect, process, and store your information in the United States. If you use any of our Services from outside of the United States, personal information that we collect from or about you will be transferred to and stored on servers inside the United States. Your use of the Services or provision of information to us constitutes your consent to the collection, transfer, use, processing, sharing, and storage of your information in the United States.

12. Children

Our Services are directed at a general audience and are not targeted to children. We do not knowingly collect personal information from children. If we learn that we have collected personal information from an individual under age 16, we will use reasonable efforts to promptly remove such information. If you believe that we may have information from a child, please contact us as described herein.

13. EXTERNAL Content, Links, and Plug-Ins

The Site may have links to external websites or applications, which may have privacy policies that differ from our own. We are not responsible for the practices of such third parties. The Site may also offer you the ability to interact with social plug-ins from external social media sites, which may allow us and/or the social media site to receive personal information from or about you. In some cases, we may know that you clicked on a social media plug-in, such as a Facebook “Like” or Twitter “Follow” button, and we may receive other information from the social media sites. Similarly, if you have previously provided personal information to an external party operating a plug-in on the Site, then such an external party may recognize you on our platform. Your use of social network plug-ins is subject to each social media site’s privacy policy, which may be different from ours, so please read these policies carefully. As with linked sites, we have no control over the information that is collected, stored, or used by social network plug-ins, and we are not responsible for the practices of such sites.

Changes to this Privacy Policy

We reserve the right to make changes to this Privacy Policy at any time. When we do, we will post the changes on the Site. Please visit this page periodically so that you will be apprised of any such changes. If we change the Privacy Policy in a material way, we will provide appropriate notice to you.

Contact Us

If you have any questions or comments regarding this Privacy Policy or any of the practices described herein, you can contact us by emailing us at [email protected].

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