1.By accessing or using this website (www.insurehopper.com), creating an account, or availing of any of the services offered herein, you confirm that you have read and understood this Privacy Policy and agree to be bound by the terms and conditions as set forth herein including, but not limited to, the collection, use, disclosure, processing, and retention of your personal information by Insure Hopper, Inc. (hereinafter referred to as the “Company”) in accordance with the provisions hereof.
2.The information gathered, collected, and recorded by the Company include the following:
- a.Information you have provided in creating an account in the website, completing the registration process, filling out any forms or applications, and completing your profile;
- b.Messages, posts, ratings, feedback, comments, and any other information you share in the website or your profile such as the following: address or billing information, telephone number or other contact details, financial information (such as payment method and credit card number), taxpayer information and forms, linked accounts with other third-party service providers, education, profession and expertise, and additional authentication information (such as any government issued I.D. as permitted by applicable laws);
- c.Communications with the Company as well as communications with other users of the website;
- d.Internet Protocol (IP) address, software configuration, operating system, and other technical information indirectly and automatically gathered through the system’s cookies which help the Company improve your navigation and ease of use of the website;
- e.Username, login details, and other profile information with a third-party service provider (e.g. Google, Facebook, LinkedIn) which you utilize to link, connect, or login to your account. This information may vary and is controlled by the third-party service provider or as authorized by you via your privacy settings with said service provider;
- f.Email address or other contact information in cases where you are referred or invited by any user of the website; and
- g.Geo-location information, IP address, device and connection information, browser information and web-log information, all communications recorded by users through the website, and all other information collected while you access, browse, view or otherwise use the website.
3.By accessing or using this website, creating an account, or availing of any of the services offered herein:
- a.You give your consent for the Company to use your personal information solely for the purposes as set forth in this Privacy Policy and insofar as it is necessary to enable you to use the website;
- b.You agree that the Company’s use of your personal information is necessary for purposes of entering into a contract with you concerning the services in the website which you are availing;
- c.You agree that the use or processing of your personal information is necessary for you to avail of the services offered in the website and in order to support the Company’s legitimate interests as a business;
- d.You agree to have your username, country, and profile made public including photos, portfolios, ratings, and any other additional information provided or uploaded by you in your profile;
- e.You agree that your profile information as well as your activities in the website shall be made public and visible to all users of the website; and
- f.You agree and understand that any information you publish or share in your profile or share with other users of the website shall be at your own risk.
4.Your personal information shall be used by the Company for the following purposes, to wit:
- a.To enable the Company to: contact you, provide you with quality service and security, operate the website, develop and improve the services offered in the website, verify your identity, establish and set up your account, verify or re-issue a password, log your activity, enable your communications with other members, provide customer support and contact you from time to time, understand and analyze your preferences and performance, and customize and personalize your experience;
- b.To ensure marketplace integrity, track and prevent fraudulent and other inappropriate activities, maintain a safe and secure marketplace, monitor content integrity, conduct security investigations and risk assessments, and verify or authenticate information provided by you;
- c.To promote and advertise the website and contact you regarding any promotional activities or events;
- d.To maintain appropriate business records, to comply with lawful requests by public authorities, and to comply with applicable laws and regulations or as otherwise required by law; and
- e.To enhance and personalize your browsing experience as well as to monitor the website for purposes of preventing fraud, inappropriate content or behavior, and all other activities that run contrary to the terms and conditions of this Privacy Policy.
5.The Company shall keep/store your personal information for as long as it is necessary to fulfil the purpose for which the same was collected and for the following purposes: recordkeeping; fraud prevention; collection of outstanding obligations; resolution of complaints or disputes; troubleshooting; assisting in an investigation; enforcement of this Privacy Policy; compliance with applicable laws; and any other purposes as may be permitted by law.
6.You agree that the Company may, in some circumstances, retain your personal information for longer periods of time.
7.The Company may share your personal information with affiliated entities and the latter’s websites. The Company may also share your personal information to third parties subject to the following:
- a.The Company shares personal information with service providers that provide the Company with services for the purpose of operating the website, opening and operating your account as well as providing ancillary services and solutions. These include, among others, hosting services, billing and payment vendors, CRM systems, forum hosting, community management services, data and cybersecurity services, web analytics and performance tools, translation tools, session recording, communication systems, mailing systems, data optimization and marketing services, data enrichment services, legal and financial advisors or technical consultants. Consistent with applicable legal requirements, the Company take commercially reasonable steps to require third parties to adequately safeguard your personal information and only process it in accordance with our instructions;
- b.The Company shares personal information to law enforcement agencies, public authorities or other parties in order to respond to a subpoena or court order, judicial process or to regulatory authorities: if the Company believes that it is required to do so by law, or that doing so is reasonably necessary to comply with legal processes, when the Company believes it necessary or appropriate to disclose personal information to law enforcement authorities, such as to investigate actual or suspected fraud or violations of law, breaches of security, or breaches of this Privacy Policy, and to respond to claims against the Company and to protect the rights, property, or personal safety of the Company’s clients or the public;
- c.The Company shares personal information with payment processors, fraud detection agencies and similar third parties for the purpose of facilitating payments done via the website and securing the website and protecting it against fraud, unauthorized transactions (such as money laundering), claims or other liabilities;
- d.The Company shares limited personal information with certain social media platforms and marketing partners in the website to promote the Company’s services. Such features and third-party services collect certain information about you and may set a cookie to enable their functionality. Such third parties’ features are governed by their policies;
- e.The Company shares personal information to help facilitate interactions between users of the website;
- f.The Company shares personal information with corporate affiliates that are related by common control for the purpose of operating the website, providing the Company’s services to you, and for other purposes listed herein; and
- g.Personal information will also be disclosed if the Company goes through a business transition such as a merger, consolidation, sale, transfer of all or a portion of the Company’s assets, acquisition, bankruptcy or any similar event. If the Company or substantially all of the Company’s assets are acquired by a third party, information held by the Company about our users will be one of the transferred assets.
8.The Company uses cookies and other similar technologies to improve and personalize your experience in using the website, to enable the Company to provide you its services, to analyze the website’s performance, and for marketing purposes.
9.You understand that this website contains links to third party sites and should you link to said third party sites from this website, any data you provide to those sites and any use of that data by these third-party sites shall no longer be under the control of the Company.
10.Should you upload any content, including personal information, to any third-party sites and tag this website, your submission will be subject to the terms of use and privacy policy of said third party site. The Company does not have control over these third-party sites nor the terms of use and privacy policies thereof.
11.The Company takes great care in maintaining the security of the website and your information and in preventing any unauthorized access, loss, misuse, alteration, destruction or damage through industry standard technologies and internal procedures. However, the transmission of data via the internet is not completely secure, hence, the Company cannot guarantee the security of your data transmitted to the website; any transmission is at your own risk.
12.Users who have registered to the website agree to keep their password in strict confidence and not disclose such password to any third party.
13.Further information about our data security practices can be provided on request.
14.You shall have the following rights with respect to your personal information:
- a. To obtain a copy of your personal information together with information about how and on what basis that personal information is processed;
- b. To rectify inaccurate personal information;
- c. To erase your personal information in limited circumstances, particularly, where (a) you believe that it is no longer necessary for us to hold your personal information; (b) we are processing your personal information on the basis of legitimate interests and you object to such processing, and we cannot demonstrate an overriding legitimate ground for the processing; and (c) where you have provided your personal information to us with your consent and you wish to withdraw your consent and there is no other ground under which we can process your personal information;
- d. To object to decisions which are based solely on automated processing or profiling; and
- e. Where you have provided your personal information to the Company with your consent, to ask for a copy of this data in a structured, machine-readable format.
15. The Company shall ask you for additional data to confirm your identity and for security purposes, before disclosing data requested by you. The Company reserves the right to charge a fee if and when permitted by law. The Company will decline to process requests that jeopardize the privacy of others, are extremely impractical, or would cause the Company to take any action that is not permissible under applicable laws. Additionally, as permitted by applicable laws, the Company will retain where necessary certain personal information for a limited period of time for record-keeping, accounting, and fraud prevention purposes.
16. The Company shall verify your request using the information associated with your account, including your email address. Government identification may also be required.
17. A request for access can be made by you only twice within a 12-month period. Any disclosures that we provide will only cover the 12-month period preceding receipt of your request. The Company does not charge a fee to process or respond to your verifiable user request unless it is excessive, repetitive, or manifestly unfounded. Should the Company determine that the request warrants a fee, we will inform you of the reasons for such decision and provide you with a cost estimate before processing further your request.
18. It shall be your responsibility to update your information through your account profile settings. When updating your personal information, the Company shall ask you to verify your identity before acting on your request. If for any reason you have a problem with deleting your personal information, you may contact the Company’s Customer Support.
19. You can review and change your personal information by logging into the website and visiting your account profile page.
20. If you delete any user generated content from the website, copies of such content may remain viewable in cached and archived pages, or might have been copied or stored by other website users.
The Company conducts certain behavioral analytics to achieve the above objectives and in limited cases, if the Company detects any activity that poses a risk to the website or other users thereof, automated processes may restrict or limit your ability to use the website.