Insurablink Privacy Policy
Overview
Here at Insurablink, Pty(ltd). ("Insurablink", "we", "us," or "our") we are
committed to protecting your privacy. In addition, depending upon where
you live, you may have certain data privacy rights protected by law in
your local jurisdiction. This Privacy Policy explains all the ways in
which we collect personal information when you visit our website and use
our services, including our online comparative insurance rating platform
(collectively, the "Services"), and your rights as a consumer. By
visiting our website or using our Services, you ("user," "your" or
"you") agree to the terms of collection and use of information contained
in this Privacy Policy.
What Information Do We Collect?
Website Visitors
When you visit our website or register for more information, we may
request that you provide Personal Information about yourself, and we
also collect Navigational Information.
Personal information
Personal Information refers to any information that you provide to us
and that identifies you personally, including contact information, such
as your name, e-mail address, company name, address, phone number, and
other information about yourself or your business. It can also include
information about any transactions, both free and paid, that you enter
into on the Website, and information about you that is available on the
internet, such as from Facebook, LinkedIn, TikTok, Twitter, and Google,
or information that we acquire from service providers. Personal
Information includes Navigational Information where such information can
directly or indirectly identify you.
Information we collect from third parties
From time to time, we may receive Personal Information about you from
third-party sources including partners with which we offer co-branded
services or engage in joint marketing activities, and other sources such
as social media websites and search engines.
Navigational Information
We may collect web tracking technologies such as cookies, web beacons,
pixel tags, and clear GIFs in order to operate the website efficiently
and to collect data related to your usage of and interaction with the
Service. Such collected data ("Navigational Information") may include
the address of the services you visited before and after you visited the
Service, your geographic location, the search terms you used, the date
and time of your visit, the type of browser you are using, your Internet
Protocol (IP) address, what pages in the Service you visit and links you
clicked on, and whether you opened email communications we send to you.
If you use a mobile device to access our Service, we may also collect
information about the geographical location from which you accessed the
Service.
In order to collect web tracking Information and to make your use of
the Service more efficient, we may store cookies on your computer. These
cookies will be stored (1) until you close the browser, (2) until you
log off the Service, or (3) until they
expire. For more information about cookies
generally, please visit www.allaboutcookies.org.
We may also use web tracking technologies that are placed in webpages
on the Service or in email communications to collect information about
actions that you take when you interact with the Service or our email
communications. Navigational Information may include data, such as IP
address data, that is unique to you. Many of the products we offer, such
as insurance products, are specific to your location. You may be able to
modify your browser settings to alter which web tracking technologies
are permitted when you use the Service, but this may affect the
performance of the Service. Likewise, most mobile devices allow you to
disable the ability for geo-location to be collected from your mobile
device, but this may also affect the performance of the
Service.
Log Files
When you view content provided by us, we automatically collect
information about your computer hardware and software. This information
can include your IP address, browser type, domain names, internet
service provider (ISP), the files viewed on our site (e.g., HTML pages,
graphics, etc.), operating system, clickstream data, access times and
referring website addresses. We use this information to provide general
statistics regarding use of the Websites. For these purposes, we do link
this automatically-collected data to other Personal Information such as
name, email address, address, and phone
number.
How We Use Information We Collect
Personal Information
We will use and store Personal Information for the purpose of
delivering the Service and to analyze and enhance the operation of the
Service.
We may use the Personal Information you provide or that we collect
about you, as well as non-personally identifiable information, to
fulfill your requests for our products, programs and services, to
respond to your inquiries about our offerings, and to offer you other
products, programs or services that we believe may be of interest to
you. We sometimes use this information to communicate with
you.
Navigational Information
We use web tracking Information to administer the website and to
understand how well our website is working, to store your user
preferences, to develop statistical information on usage of the website,
and to analyze the productivity of users of the website. This allows us
to determine which features visitors like best to help us improve our
website, to personalize your user experience, and to measure overall
effectiveness.
You may disable the collection and use of your location data through
browser-, operating system-, or device-level settings. Consent
concerning location data may be withdrawn at any time by emailing privacy@Insurablink.com.
Targeted Advertising
Insurablink may serve you targeted advertising. This may include using
information about your visits to this and other websites in order to
provide relevant advertisements about goods and services that you may be
interested in. We may also employ technology that is used to measure the
effectiveness of advertisements. This can be accomplished by using
cookies or web beacons to collect information about your visits to this
and other sites in order to provide relevant advertisements about goods
and services of potential interest to you.
Information We Disclose to Third Parties
Personal Information
We will not disclose your Personal Information to any third parties
except as follows:
to third party contractors engaged to provide services on our
behalf ("Contractors"), such as analyzing data and usage of the
Service, operating the Service or providing support and maintenance
services for the Service, performing marketing support, or providing
customer service;
to insurance carriers and other providers in whose products you
express interest; and
when we have your consent to share the
information.
Web Tracking Information
We disclose web tracking information to Contractors, in order to
analyze the performance of the Services and the behavior of users, and
to operate and improve the Services. This web tracking information may
be shared with Contractors in aggregated form or in conjunction with
your Personal Information in order to improve the Services for
you.
Additional Disclosures
We reserve the right to disclose any information we collect in
connection with the Services, including Personal Information to any
successor to our business as a result of any merger, acquisition, asset
sale or similar transaction.
We will also share your information with law enforcement agencies,
public authorities or other organizations if legally required to do so,
or if we have a good faith belief that such use is reasonably necessary
and in our legitimate interests to:
comply with a legal obligation, process or
request;
enforce our Terms of Service and other agreements, including
investigation of any potential violation
thereof;
detect, prevent or otherwise address security, fraud or technical
issues; or
protect the rights, property or safety of us, our users, a third
party or the public as required permitted by law (i.e., exchanging
information with other companies and organizations for the purposes
of fraud protection);
pursuant to a lawful request from law enforcement or a legal
authority; or
in an acquisition or merger.
Cookies
What are Cookies
A cookie is a small file containing a string of characters that is sent
to your computer when you visit a website. When you visit the site
again, the cookie allows that site to recognize your browser. Cookies
may store user preferences and other
information.
Cookies set by Insurablink are called "first-party cookies". Cookies set
by parties other than us are called "third-party cookies". Third-party
cookies enable third-party features or functionality to be provided on
or through the website (e.g., like advertising, interactive content and
analytics). The parties that set these third-party cookies can recognize
your computer both when it visits the website in question and also when
it visits certain other websites.
Why We Use Cookies
We use first-party and third-party cookies for several reasons. Some
cookies are required for technical reasons in order for our Website to
operate, and we refer to these as "essential" or "strictly necessary"
cookies. Other cookies also enable us to track and target the interests
of our users to enhance the experience on our Website. For example,
Insurablink keeps track of the Website and pages you visit within Insurablink,
in order to determine what portion of the Insurablink Website is the most
popular or most used. This data is used to deliver customized content
and promotions within the Insurablink Website to customers whose behavior
indicates that they are interested in a particular subject area. Third
parties serve cookies through our Website for advertising, analytics and
other purposes. This is described in more detail
below.
Types Of Cookies We Use and How We Use Them
The specific types of cookies served through our Website and the
purposes they perform include:
Essential website cookies: These cookies are strictly necessary
to provide you with services available through our Website. Because
these cookies are strictly necessary to deliver the Website to you,
you cannot refuse them. You can block or delete them by changing
your browser settings however, as described
below.
Performance and functionality cookies: These cookies are used
to enhance the performance and functionality of our Website but are
non-essential to their use. However, without these cookies, certain
functionality may become unavailable.
Analytics and customization cookies: These cookies collect
information that is used either in aggregate form to help us
understand how our Website is being used or how effective our
marketing campaigns are, or to help us customize our Website for
you.
Advertising cookies: These cookies are used to make advertising
messages more relevant to you. They perform functions like
preventing the same ad from continuously reappearing, ensuring that
ads are properly displayed for advertisers, and in some cases
selecting advertisements that are based on your
interests.
Social networking cookies: These cookies are used to enable you
to share pages and content that you find interesting on our Website
through third-party social networking and other websites. These
cookies may also be used for advertising purposes
too.
How Can You Control Cookies?
You have the right to decide whether to accept or reject cookies. You
can exercise your cookie preferences by clicking on the appropriate
opt-out links provided below. You can set or amend your web browser
controls to accept or refuse cookies. If you choose to reject cookies,
you may still use our website though your access to some functionality
and areas of our website may be restricted.
As the means by which you can refuse cookies through your web browser
controls vary from browser-to-browser, you should visit your browser's
help menu for more information. Most advertising networks also offer
you a way to opt out of targeted advertising. If you would like to find
out more information, please visit
www.aboutads.info/choices/ or
www.youronlinechoices.com. You may opt out by clicking here:
http://preferences.truste.com.
Please note this does not opt you out of being served advertising. You
will continue to receive generic
advertisements.
Other Tracking Technologies, Like Web Beacons
Cookies are not the only way to recognize or track visitors to a
website. We employ a software technology called clear gifs (a.k.a. Web
Beacons/Web Bugs), that help us better manage the Website and
Subscription Service by informing us what content is effective. Clear
gifs are tiny graphics with a unique identifier, similar in function to
cookies, and are used to track the online movements of Web users. In
contrast to cookies, which are stored on a user's computer hard drive,
clear gifs are embedded invisibly on Web pages or in emails and are
about the size of the period at the end of this sentence. We use clear
gifs or pixels in our HTML-based emails to let us know which emails have
been opened by recipients. This allows us to gauge the effectiveness of
certain communications and the effectiveness of our marketing campaigns.
We tie the information gathered by clear gifs in emails to our
customers' Personal Information.
For California Residents
The California Consumer Privacy Act ("CCPA") went into effect on
January 1, 2020. The law gives California residents certain rights to
access and delete their "Personal Information," and to opt out of the
sale of their Personal Information. The CCPA also requires businesses
to disclose in their privacy policies information about how they
collect, use, and share Personal Information. This section of the
privacy policy contains the disclosures Insurablink is required to make and
summarizes the rights that California residents have under the
CCPA.
For purposes of this section, the term "Personal Information" means
Personal Information under Cal. Civ. Code 1798.140(o) as amended from
time to time. To the extent that any other provision of this Privacy
Policy conflicts with a provision of this section, the provision in this
section controls as to California
residents.
Categories of Information Collected, Disclosed or Sold in the Past 12 Months
The below table discloses the categories of Personal Information that
Insurablink has collected in the past 12 months from the effective date of
this Privacy Policy. For each category of Personal Information, the
table identifies:
whether Insurablink has sold to a third party, or disclosed for a
business purpose, the category of Personal Information;
and
the categories of third parties to whom the information was
disclosed or sold.
The table does not include Personal Information provided to us by
partners or other customers in a business-to-business
context.
Category of Personal Information Collected Sold or Disclosed? Category of Third Parties to Whom the Personal Information was Sold or Disclosed
Identifiers, including your name, name, IP address, email address, phone, address DIsclosed We have disclosed for a business purpose this category of Personal Information to Service Providers
Customer records information, including signature, bank account number, address, Disclosed We have disclosed for a business purpose this category of Personal Information to Service Providers
Characteristics of Protected Classifications Not Sold or Disclosed
Commercial Information, including records of services that you have purchased in the past Disclosed We have disclosed for a business purpose this category of Personal Information to Service Providers
Internet or Other Network Activity Information, including information about how you interact with our website Disclosed We have disclosed for a business purpose this category of Personal Information to Service Providers
Geolocation Data Not sold or Disclosed
Professional or Employment-Related Information, including your job title and organizational affiliation Disclosed We have disclosed for a business purpose this category of Personal Information to Service Providers
Summary of California Residents' CCPA Rights
California residents may:
Request that we delete their Personal Information (a "Request to
Delete").
Opt-out of the sale of their Personal Information (a "Request to
Opt-Out").
Request information about our collection, use, and sharing of their
information (a "Request to Know"),
including:
the categories and specific pieces of Personal Information we have
collected about them;
the categories of sources from which we have collected their
Personal Information;
the business or commercial purpose for collecting or selling their
Personal Information;
the categories of their Personal Information that we have sold;
and
the categories of third parties with whom we have shared, disclosed
for a business purpose, or sold their Personal Information, and
which categories of Personal Information we have sold to which
categories of third parties.
We will not discriminate against users for exercising these rights. We
may charge users different prices, or provide different levels or
quality of goods or services, if the difference is reasonably related to
the value of their data. We may also offer financial incentives for the
collection, sale, or deletion of your Personal Information. In addition,
some Personal Information is essential for us to provide the Services.
For example, we cannot provide you with an insurance quote without first
collecting some Personal Information about you. In such instances, your
refusal to provide the necessary Personal Information will result in the
inability to use our Service.
Submitting Requests to Know, Opt-Out, or Delete Your Data
California residents may submit a Request to Know, Opt-Out, or Delete
Your data by filling out the form found at:
Do Not Sell My Data,
by email at:
privacy@Insurablink.com
or by toll-free number at: (+27)81 072 3343.
We may require you to confirm your identity before we share any
Personal Information or honor an Opt-Out or Deletion request. If
Insurablink is unable to verify your identity, Insurablink will respond by
explaining why it cannot verify your
identity.
We will confirm receipt of your Request to Know within 10 business days
and will respond to your request within 45 days. If a response requires
additional time, we will notify you of the basis for the delay and may
extend our response period up to an additional 45 days. We have no
obligation to provide Personal Information to you more than twice in a
12-month period. If a request or series of requests are manifestly
unfounded or excessive, we may charge a reasonable fee for processing
the request(s), or may refuse to process the
request(s).
If Insurablink is able to verify your identity, we will respond to your
request by (a) honoring your request; or (b) where applicable,
explaining why the CCPA does not require us to honor your Personal
Information. Insurablink may choose to delete Personal Information by
de-identifying, aggregating, or completely erasing the
information.
Authorized Agents
California residents may submit Requests to Know, Opt-Out, or Delete
through an authorized agent. Unless the agent provides Insurablink with a
power of attorney executed by the California resident, Insurablink may
require the California resident to verify their identity with Insurablink
and/or to provide Insurablink with written confirmation of the agent's
authority to make the request.
California Online Privacy Protection Act Notice
On September 27, 2013, California enacted A.B. 370, amending the
California Online Privacy Protection Act to require website operators
like Insurablink to disclose how they respond to "Do Not Track Signals";
and whether third parties collect personally identifiable information
about users when they visit Insurablink.
Insurablink does not respond to "do not track"
signals.
Insurablink does not authorize the collection of personally
identifiable information from Insurablink users for third party use
through advertising technologies without separate member
consent.
Security
We have put in place appropriate physical, electronic, and managerial
procedures and security precautions to protect the security and
integrity of your Personal Information in accordance with this policy
and applicable law. However, no Internet transmission is completely
secure, and we cannot guarantee that security breaches will not occur.
Without limitation of the foregoing, we are not responsible for the
actions of hackers and other unauthorized third parties that breach our
reasonable security procedures.
Amendments
Insurablink may modify or amend this policy from time to time. If we make
any material changes, as determined by Insurablink, in the way in which
Personal Information or web tracking Information is collected, used or
transferred, we will notify you of these changes by modification of this
Privacy Policy, which will be available for review by you at the
website. Notwithstanding any modifications we may make, any Personal
Information and web tracking Information collected by Insurablink from you
will be treated in accordance with the privacy policy in effect at the
time information was collected, unless we obtain your consent
otherwise.
Accessibility
Any person with a disability that prevents or restricts them from
accessing this Privacy Policy through the Apps or through Insurablink's
website may request a copy of the Privacy Policy in an alternative
format by contacting Insurablink at:
privacy@Insurablink.com or (+27) 81 072 3343.
Children
Insurablink does not knowingly collect or maintain personally identifiable
information from persons under 16 years of age, and no part of the
website is directed at persons under 16. If you are under 16 years of
age, then please do not use the website. The CCPA and Children's Online
Privacy Protection Act imposes certain requirements on website operators
that have actual knowledge that they collect personally identifiable
information from children under 13 years of age. If Insurablink learns that
personally identifiable information of persons less than 13 years of age
has been collected without verifiable parental consent, then Insurablink
will take the appropriate steps to delete this information. To make such
a request, or if you have any questions or concerns about the Privacy
Policy for the website or its implementation, please contact us at:
privacy@Insurablink.com.
Visitors From Outside the United States
Insurablink and its servers are located in the United States and are
subject to the applicable state and federal laws of the United States.
Those who choose to access the Service do so on their own initiative and
at their own risk, and are responsible for complying with all local
laws, rules and regulations. We may limit the Service's availability, in
whole or in part, to any person, geographic area or jurisdiction we
choose, at any time and in our sole discretion. We do not represent or
warrant that the Service, or any part thereof, is appropriate or
available for use in any other jurisdiction. If you choose to access or
use the Service, you consent to the use and disclosure of information in
accordance with this privacy policy and subject to such
laws.