This is the privacy policy for the
FinancialMachine.com and InsuranceMachine.com sites.
This Privacy Policy sets forth our policies
regarding the collection, use and disclosure of certain information relating to
your use of the Site. Your use of this Site signifies your understanding and
acceptance of the terms of this Privacy Policy.
- Collecting Information:
Personally Identifiable Information
The Site may request and collect certain personally identifiable
information including, but not limited to, Application Data and other
personal information contained in User Submissions, through various
means such as online forms, online applications, e-mail and comments
submitted to the Site. Such information collected through the Site may
include financial information, health-related information, and other
sensitive information.
Non-Personally Identifiable Information
We may also collect certain non-personally identifiable information via
the Site, such as Site usage activity and preferences, also known as
demographic or profile data.
Site Technology
As with many Web sites, we may use "cookies" and/or other technology
(e.g., web bugs, e-mail bugs, clear GIFs, web beacons and tracker GIFs)
in the Site or in our communications with you to enhance the
functionality of the Site and to make your transactions and other
activities more convenient and efficient (collectively, "Tracking
Technologies"). These technologies may vary, but in some cases may
involve a small file stored locally on the computer used to access the
Site, and may be used by us to store and collect information relating to
your viewing and use of the Site and our correspondences with you. We
may collect your IP (Internet Protocol) address to help diagnose
problems with our server, administer our Site and identify our users.
Third parties (including, but not limited to, software vendors,
advertisers and fulfillment companies) may also use Tracking
Technologies by or through the Site. We have no control over what
information such third parties track or collect, and we have no
responsibility or liability for any tracking, data collection or other
activities of such third parties.
- Usage and Sharing:
We use information collected on and through this Site for a variety of
purposes in the course of business and as otherwise set forth herein.
Such information may be used to process your applications to receive
quotations or to send you information about our and our affiliates'
products and services and other information and materials that may be of
interest to you. This information may also be used to evaluate what
portions of the Site are more popular than others, determine where
visitors came from, where they go, and how long they stay on a
particular page, or the Site in general. We may match information
collected from you through different means or at different times, and
use such information along with information obtained from other sources,
including third parties.
Application Data may be forwarded to insurance agents, discount program
representatives, brokers and/or companies who may contact you with a
quote by email, telephone, postal mail or other forms of communication.
We are not responsible, and shall not be liable, if an agent, broker,
discount program representative or company to whom we forward your
Application Data violates our Privacy Policy or their own privacy
policy, if any.
- We may use your data to send targeted and promotional email
advertisements to provide added service.
We may disclose your personal information to companies that perform
technology or marketing services for us for their use in performing such
services. We may transfer, sell or assign aggregate, identifiable
information about Site usage to third parties. We also reserve the right
to disclose any information concerning you if required by law or to
protect or defend our rights or the rights or well-being of our users or
if you are involved (or are reasonably suspected to be involved) in any
illegal activity, even without a subpoena, warrant or court order.
- Opt-Out:
If you would like to opt not to receive promotional or marketing
material from us in the future, please send an e-mail to
opt-out@financialmachine.com. However, your option not to receive
promotional and marketing material: (a) shall not preclude us from
corresponding with you, by e-mail or otherwise, regarding your existing
or past relationship with us (e.g., your pending or past applications or
our responses to questions or inquiries you pose to us), and (b) shall
not preclude us, including our employees, contractors, agents and other
representatives, from accessing and viewing your personal information in
the course of maintaining and improving the Site.
- Security:
The application form on the Site supports encryption to help protect the
security of your transfer of data to the Site. Although we will take all
reasonable security precautions regarding information stored on the
Site, due to the open nature of the Internet, we cannot guarantee that
any information stored on our servers, or transmitted to or from a user,
will be free from unauthorized access, and we disclaim any liability for
any theft or loss of, unauthorized access or damage to, or interception
of any data or communications. By using the Site, you acknowledge that
you understand and agree to assume these risks.
- Consent to Processing:
By providing any personal information to this Site, you fully understand
and unambiguously consent to the transfer of such personal information
to, and the collection and processing of such personal information in,
the United States and other countries or territories.
By submitting this information you are authorizing Brokers, Agents,
discount program representatives and/or Insurance Professionals in the
network to contact you directly with quotes via telephone, fax, and
email, regardless of the presence of your phone number(s) on any local
or national no-call list.
- Links:
This Site may contain links or references to other Web sites outside of
our control. Please be aware that we have no control over these sites
and our privacy policy does not apply to these sites.
- Your Acceptance of this Policy:
By using this Site, you signify your acceptance of our Privacy Policy.
If you do not agree to this policy, please do not use our Site. We
reserve the right, at our discretion, to change, modify, add, or remove
portions from this policy at any time so visitors are encouraged to
review this policy from time to time. Your continued use of our Site
following the posting of changes to these terms means you accept these
changes.
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